How can I unlock my locked iPhone and access Apple Account?

Click here and follow the instructions. Restoring the iPhone requires plugging it into a computer with iTunes or Devices installed, or a Mac running Catalina or newer.

If there's an option to erase it, you can use that instead.

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Please explain why you cannot unlock your iPhone. Did you forget the passcode? Do you know your Apple Account user id and password?

If you forgot your iPhone passcode or your iPhone is disabled - Apple Support

If you forgot your Apple Account password - Apple Support

Please be advised that your iPhone will be erased, so you can use your current backup to restore the data back to the phone.