Model 10 bolt adjustment?

[Bolthead]

Try it with the action out of the stock. If it makes a difference, the stock is distorting the action.

[whiskeyloaf]

Try it with the action out of the stock. If it makes a difference, the stock is distorting the action.

It only happens when there is a round in the chamber...on an empty chamber it is actually very smooth

[short round]

If it is only stiff with round in chamber, shoulder of brass may need bumped back or it could be the bullet jammed into the lands. Try piece of sized brass to see how bolt closes, if tight, bump shoulder back. Once you have brass that chambers OK, make up dummy round to your present seating length, see how it chambers, if hard work on seating depth.