Hello Loretta L! I'm Gunasekar and I'd be happy to help you with your question.
If you see I forgot my PIN, select it and follow the instructions to reset your PIN. If there are multiple accounts on the device, choose the one you need to reset.

If you don't see I forgot my PIN, select Sign-in options and then select Enter your password.
After you're signed in, select Start > Settings > Accounts > Sign-in options > PIN (Windows Hello) > I forgot my PIN and then follow the instructions.
Related article for your reference:
https://support.microsoft.com/help/a386c519-3ab2-b873-1e9b-bb228a98b904
Note :The PIN you use to access your device is different from your Microsoft account password. If you need to reset your Microsoft account password, go to account.microsoft.com, select Sign in and follow the instructions.
Give back to the Community. Help the next person who has this issue by indicating if this reply solved your problem. Click Yes or No below.
I hope this information helps. If you have any questions, please let me know and I will be happy to help you further.
Best regards,
Gunasekar N