Importing local xml files using APOC, how to give path?

I tried to import the local data to neo4j and it not taking the full path of the file

for ex:
call apoc.load.xml("file:///Users/n.k/Downloads/file.xml", '', {}, true)

it gives me the following error

Failed to invoke procedure apoc.load.xml: Caused by: /Users/n.k/Library/Application Support/Neo4j Desktop/Application/neo4jDatabases/database-eaa8fb31-c5e2-4a92-917d-21062b851fea/installation-3.5.14/import/Users/n.k/Downloads/file.xml (No such file or directory)

The apoc configuration options.

By default for security reasons, files must be relative to whatever the dbms.directories.import config directory in neo4j.conf. If my memory serves correctly, that is $NEO4J_HOME/import. The settings can be changed.