Don't use the "file://" URL.
If you want to address files which are part of an application, either address them by opening a file or via a resource. For example, a file called "example.xml" in the base directory of an application can be accessed by either
a) new FileInputStream("example.xml")
b) put the directory containing the file in the application's classpath and then access the file by Class.getResource("example.xml")