Are there unary predicates $\varphi(x), \psi(x)$ such that
The formula that states "There is a set $M$ with: $\forall x[x\in M \leftrightarrow \varphi(x)]$" is provable in $ZFC$.
The formula that states "There is a set $F$ with: $\forall x[x\in F \leftrightarrow \psi(x)]$" is provable in $ZFC$.
but the formula that states "$F$ is a choice function on $M$" is not decidable in $ZFC$?
Sure. Let $G$ be some undecidable sentence of ZFC, and let $$ \begin{align} \varphi(x) &\equiv x=\{42\} \\ \psi(x) &\equiv G \land x=\langle\{42\},42\rangle \end{align} $$