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Good point. Would turning on 2-factor authentication get around the problem? This way, the buyer could unlock iCloud at activation, but not setting up the phone with the seller’s iCloud account...?
Find my iPhone doesn't need two factor authentication to work. Don't give out credentials in any circumstances.
 
If removing the device from your account doesn't unlock it, then you must find a way to login to the original phone with your iCloud account. Then you have to disable "Find my iPhone" only then do you Reset and Erase.
 
Well I removed it from “find my phone,” which says it means someone else can set up the phone, so I hope that does it.
Do you mean from her iCould account online? This is what you should do according to Apple
  1. Sign in to iCloud.com with their Apple ID.
  2. Go to Find My iPhone.
  3. Click All Devices at the top of the screen.
  4. Select the device that you want to remove from iCloud.
  5. If necessary, click Erase [device].
  6. Click Remove from Account.
After the previous owner removes the device from their account, turn off the device and then turn it back on to begin the setup process.
 
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