Retirement tax questions

Okay no, I didn't get a 1099-R for those accounts.  Sorry, I misspoke.  I should have said forms 5498 which list RMDs required for the next year.  I guess that's the main issue here - TurboTax does not ask about forms 5498 and I am unable to even open up a 5498 form.

I had been telling TurboTax that all of an IRAs distributions were for the RMD but then I thought maybe the problem was that the excess was not able to roll over to other IRAs.  So I entered that only a part of the distribution, the required amount, was for that RMD, hoping that the excess would be applied to other accounts.  Well, that didn't work either.

I haven't found a way to convince TurboTax that I don't have a penalty.  I am unable to override the penalty by entering 0s in the 5329-T form or even by deleting the form.  So TurboTax is basically worthless to me now and I wasted my money on it.