No, you can't apply the amount paid in 2024 to previous years even though it was your intention to make the contributions that way. You will have to report it all in 2024 and pay a penalty for over contributing if that is what happened. You can avoid the penalty however if you remove the excess contribution, including earnings, by April 15 of 2024. Your employer would have to issue you a corrected W-2 form as well if your contributions were deducted from your wages as is typical.
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