There is no such thing as an "excess RMD." There is a lot of misunderstanding about the term RMD (Required Minimum Distribution). The RMD is not money that you took out of an IRA. It's the minimum amount that you are required to take out. The money that you took out of the account is a distribution, not an RMD. As long as the total distributions are at least as much as the total RMDs for all of your accounts, it doesn't matter if they're more than the RMD. You do not have to explain the excess, and you do not have to report the RMD amount for an IRA that you did not take a distribution from.
You should not have made up 1099-R forms that you did not actually receive. What you did is report distributions that you did not actually take. Each one was reported as a $1 distribution ($0.51 rounded to whole dollars). The IRS is not likely to bother you about it. TurboTax does not allow a zero distribution amount because you would not get a 1099-R for a particular account if you did not take any distribution from that account.
The RMD questions in TurboTax for 2024 are very confusing. They are revising the questions for 2025.
