The rear seatbelt is stuck around the middle seat head rest
Check the owner's manual. There is usually a release for the headrest hidden under it. If not, you may need to remove the back seat by pulling it away from the back of the car.
Another fix if all else fails is to carefully remove the trim panel where the seat belt retractor is and then disconnect the retractor, reclaim the belt and then securely refasten it.
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