iPhone locked to owner problem

Only the owner of the account used to lock it can remove the activation lock.

If you are the original purchaser of the device, Apple can remove the activation lock if you can provide the original proof of purchase from Apple or an authorized retailer.

Is this a second-hand iPhone?

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

did you try to factory reset it

It’s not a problem to the owner.

That won't fix an activation lock.