ok mine has now sorted itself out (at least for now).
I did the first resetting suggestion.
Win+R then type in CONTROL
then went to the CLOCK and Region.
Then in the FORMAT re set it to English United Kingdom in my case (note already said this but there was also a drop down box to reset it).
the restarted the Microsoft and all seems OK have the Forgotten Pin written in English rather than chinese.
Note I am on Windows 11