Seat belt won't retract complete, drivers side

Not quite sure what you mean by got around passenger seat. But if the seat is blocking the belt from retracting, then you only need to unbolt the seat from the floor enough to manipulate the belt around the seat. Or just completely unbolt it all the way, you just need a 14mm deep socket and a ratchet. But if you mean the belt just won't retract, then you'll need a new retractor assembly. I hope this info helps!

pull it full out then let it go back in .if will not work change it.

AS seat belt operation is paramount safety it would be in you best intereste to have the unit replaced as something is faulty in the setting and retention area.

Get a new one or a use one and repalce it your self

2005 Towncar SRS Code 33 (3 flash + 3 flash, repeat this set for twice. then Beep 5 times pause x 5 = 25 beeps every 30min).

This means you have problem with left (Driver) side pretentioner (Seat belt retract system).
It doesn't mean physical belt or retract mechanism.It is just bomb wiring which is part of airbag system.
When airbag deploy, passenger must stay tight in seat otherwise body lean to front then slam back to seat by airbag.
if belt is loose or delay to lock, passenger's body rocks back and forth.So, system use small bomb (Fire power) to lock and retract seat belt when airbag deploy.There is small bomb and igniter in part of Seat belt retractor.
Code 33 is warning for this part on 2005 Towncar.(older model is different meaning in Ford/Lincoln, it's possibly passenger side airbag system for earlier model)
Before you work for any part of Airbag system and touch any "Yellow connector", * *Disconnect battery (negative side is good enough) and wait at least 5 min to clear all power in system**.(Airbag store back up power for few minutes to be able to deploy even in case if power disconnected)
by the way, you should move your driver seat most forwarded position before you disconnect battery to make it easy to work with seat belt.
locate driver side seat belt retractor (in center pillar between front and rear door, you may have to fight with weather strip)

Locate Yellow connector on bottom of Seat belt retractor (it's called "Pretensioner")it is located on very bottom of rear side of retractor.
only one yellow connector. (make sure your battery is disconnected)
Check its physical connection or looseness.if connection looks fine, you may have to replace whole seat belt ($180-$200 in Lincoln dealer)
You can check if pretensionor is good or bad by regular tester, but unless you know how, I won't tell (because I don't wan't you to blow out pretentionor).

possibly there is something stuck in the belt not letting it retract

You did not state the age of your vehicle, however over the years, a seat belt will collect body oils, dirt, food particles, etc.
Pull your seat belt out as far as you can. Clamping in place makes the next part easier.
Grab a bucket of water, laundry detergent and a white (because you can observe soil staining) wash rag, then scrub your seat belt. Keep rinsing your wash rag and scrubbing the belt. Once the rag is no longer picking up stains, you're done.
Allow the belt to dry completely before allowing to retract.
Once dry, it should retract properly.
Do NOT lubricate the belt with silicone or WD40, etc. These are not designed for a safety critical item and are not required once the belt is clean.

Are you trying to say the seat belt retractor is stuck? This is in the front seat?
If it's anything like my Tahoe, you need to remove the plastic panel that covers the retractor (carefully - don't break the clips or you won't be able to put it back on). Take a large flat head screwdriver and slide it under the part where the seat belt coils up, and find a little tab - push it with the screwdriver. As long as the seat belt is not twisted up, it should retract.

The panel is attached with plastic clips, if you damage them replacements are available. Chances are you won"t be able to repair the belt retractor as it"s a sealed mechinism.

Try giving it a solid tap with something hard (screw driver handle) while jiggling the seatbelt.