First...........welcome to the forums.
Second.............take a look at this thread: http://www.xdtalk.com/forums/xdtalk-...-part-2-a.html
The thread is near the top with a sticky in the XDtalk ChatterBox forum.
I had problems at first with the XD trigger. Was used to shooting Browning Hi-Powers and 1911's. Still not real good with the XD trigger but it improves with practice. Just haven't had a lot of time to practice lately.
Hopefully someone will come along to this thread a post a pic of a target you can print out. Can't remember right now where to find it. It will tell you what you are doing wrong by where your shots hit on the target.
So, it is not you or the gun. As a friend of mine says.........you just have to get "youst" to it.
Came back to edit this and add the following. Take a look near the bottom of the thread I posted where it talks about "Correct Finger Placement". This I think is the most important part. It really help me.