If you make a withdrawal from your HSA and say that it was NOT for qualified medical expenses, then yes, it will be applied against your carryover of excess HSA contributions, potentially (if the distribution is large enough) wiping out the carryover.
Any amount of the distribution not for medical expenses beyond that of the carryover would appear to be ordinary income, which is not penalized because of your age.
"And if I use that money for medical expenses in 2025, will that make a difference so that it would not be treated as taxable income or will an HSA overfunding withdrawal always be considered taxable regardless of how it is used? "
If I understand your statement, for the HSA distribution to cut off the carryover, it must be taxable, so don't use the distribution (that is equal to the carryover) for medical purposes.
If your distribution is larger than the carryover, then the amount of the distribution greater than the carryover can be used for qualified medical expenses and be tax-free - only the carryover amount will be added to your income.
Then, at last, you will be free of the carryover and the 6%.
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