Hi, I am Dave, I will help you with this.
This is a common problem in the Windows Recovery Environment, if you use a Microsoft account to log into Windows.
If you can get into Windows in normal mode, open the Settings App, then go to Accounts - Your Info.
On that Settings page, there should either be the option to 'Switch to a local Account', or the option to 'Stop automatically logging into apps with this account'
Select whichever of those two options exist, that will switch Windows to a Local account login and you should then be able to reset Windows, you would not be blocked by a password.