iPhone locked to owner

Have you bought 2nd hand device?

You must contact the seller (hopefully it is the previous owner), otherwise you have been scammed.

Each Apple device is linked/associated with an Apple ID of the person who did the setup.

Activation Lock prevents anyone who is not the owner from using this iPhone.

To unlock the Phone, you need the Apple ID and password of the previous owner, that were used during set up.

So you have to contact the previous owner.

The previous owner has to read -> this Apple article: What to do before you sell, give away, or trade in your iPhone, iPad, or iPod touch

What to do before you sell, give away, or trade in your iPhone, iPad, or iPod touch - Apple Support

Then the previous owner has to remove the iPhone from his account, see this Apple article:

Check your Apple ID device list to see where you're signed in

Check your Apple ID device list to see where you're signed in - Apple Support

Then you can sign in with your Apple ID.

See the following Apple articles:

Activation Lock for iPhone, iPad, and iPod touch

Activation Lock for iPhone, iPad, and iPod touch - Apple Support

How to remove Activation Lock

How to remove Activation Lock – Apple Support (UK)

The All Too Common SAD Reality of Buying a Used iPad/iPhone

The All Too Common SAD Reality of Buying … - Apple Community

Ask you money back if possible.