@Opus 17 Correct, the 2025 contributions have already been converted from a Traditional IRA to a Roth IRA, which the custodian stated they would be unable to process the return of excess. And it seems like I'm stuck having to pay the 6% penalty for 2024.
So what it sounds like I need to do is:
1) Amend my 2024 taxes and fill out the Form 5329 Part III and Part IV like @fanfare stated.
2) Clear the excess in 2025 by making a regular withdrawal of $1000 from my Roth IRA on or after October 16, 2025.
Does this sound right?
Also thank you both @fanfare and @Opus 17 for helping with this.
