i have the same problem my solution was use setValues methot from Form example

<template>
  <Form ref="form" v-slot="{ meta }" :initial-values="initialValues">
    <Field name="email" />
    <button :disabled="!meta.dirty">Submit</button>
  </Form>
</template>

<script setup>
import { ref, onMounted } from 'vue';
import { Field, Form } from 'vee-validate';

const initialValues = ref({ email: 'mm' });
const form = ref();

onMounted(() => {
  // Dynamically set initial form values
  form.value.setValues({ email: '[email protected]' });
});
</script>