OK, you now see that a dependent cannot make contributions to an HSA.
The easiest way to deal with this is for your daughter to withdraw the excess before April 15th. She would pay income tax on the amount of the excess, but no penalty.
Plan B would be to carry over the excess (in part or all) to 2025, when it sounds like she would be eligible because she would no longer be your dependent. The good news is that so long as she treats the carryover as a personal contribution, and does not contribute more than the limit in 2025 (including the carryover), then the carryover will be "used up" and no longer be a carryover or penalized. The bad news is that this will cost her a 6% penalty on her 2024 return. NOTE: the 6% penalty is 6% of the lower of her carryover or the amount in her HSA at the end of the year.
So you get to decide how much you want to withdraw. The cheapest thing would be to withdraw as much as you can, letting a "little bit" be the carryover, to used used up in 2025. Or you can let the entire excess ride to 2025, so that it is all available for medical payments now, but with a larger 6% penalty.
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