If your pistol is regular "XD model" with flat bottom slide rib, it's a well known issue that extracting case rim will hit the shoulder of SWC on round in magazine and you will need to use RN/RNFP bullet as no amount of adjusting crimp, OAL or extractor tension will help -
https://www.xdtalk.com/threads/45-swc-jamming.58545/page-3#post-1075507
Springfield addressed this issue with "XDm model" by angled slide rib that extended down further to push on top round in the magazine so extracting case rim could clear the shoulder of the SWC bullet.
Finished round should fall into the chamber with a "plonk" and spin without rubbing then fall out freely. If not, it fails the "plunk test" caused by case not fully resized (Test resized brass before seating bullet), OAL too long with bearing surface/shoulders of SWC hitting the start of rifling, bulged case neck rubbing the chamber wall (Use thinner case wall brass to see if it helps), etc.
But if failure to extract issue is caused by flat bottom slide rib not pushing on top round in magazine to cause extracting case rim to hit the SWC shoulder, only change from SWC to RN/RNFP bullet profile will help.