I cannot transfer my SIM and it’s not locked

If your new phone is locked to Verizon, you will need to get Verizon to unlock the phone before you can use your Xfinity SIM in it.

How to unlock your iPhone for use with a different carrier - Apple Support

You will need to get a new SIM card from Verizon. Give them a call. You might be able to have the Verizon Store do this for you as well.

Did you get the new phone from Verizon? If so they should have activated the eSIM in the iPhone 14. Did you ask Verizon to “port” your number from the old phone? If you want to keep the same number you have to do that.

If you had Xfinity on the old phone and you have Verizon on the new phone, why are you trying to transfer your SIM at all? That makes no sense.

I'm still confused, is your new phone from Verizon? Are you trying to put a Verizon SIM in your new Verizon phone?