I'm assuming that you are using xcode simulator on Catalina. This is due new security feature with Catalina.You have to grand permissions xcode simultor to reach 3 D user folders (Desktop, Documents and Downloads) however it is not possible yet. So best way to workaround this, place your files in to /User/Shared or any other folder then 3 D user folders and drag&drop on to iOS Simulator.I've tested myself which works as exppected if files are not located on 3 D User folders.
milemin
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