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This is a virus and Not going to be easy to get rid of unless a hard factory reset May work. You will have to look up your spacific model and find out as to how to Do a Hard factory reset. Before doing this i suggest you save all your phone numbers to a sim card. Get rid of all the apps you have on that sim card tho as these can be the issue. Just save your phone numbers.
Yes, that will make it so that the software will return to the factory state. If not then you'll have to either follow the prompts through the phone menus or boot mode to initiate a factory data reset.
In my experience and according to my carrier, Verizon, you need the code to change the code. If you dont have the code, it needs to be hard-reset. If you hard reset, you start all over with factory settings.
Have you entered your own code? The default code is the last four digits of your phone number, according to my carrier. for example 216 448 1234, the lock code would be 1234.
If your carrier IS Verizon, hpefully you have used The Backup Assistant. If other carrier, hopefully your info is on your memory card.
If by "reset" you mean you want to clear out all of the info and put all the settings back to factory defaults, then go into the settings menu, select initial setup, then go to master clear. It will ask for a security code. It should be six zeroes (000000). This will erase everything on the phone- contacts, texts, etc.