Why does my 1040 say do not file form not final? I need to submit this form asap to a lender and some other places to change my assistance benefits. I need this removed

What year are you referring to?
If 2017, has it already been efiled and accepted?
I should be able to tell you how to print a 2017 return without the watermark.

the year is 2017.  it was efiled and accepted jan 24 2018.

Here's how to open your return back up to print/view/download the most current PDFs at the Print Center, and hopefully there will be no watermark.

NOTE:  When you open your return back up, do not make any changes in it since it's already been filed.

• Log in and go to "Your Tax Returns & Documents."  Click that line or on the word SHOW to expand that section.
• Choose 2017 tax year.
• Click on "Add a State."  (you don't really add one.  That's just to open your return back up.)
  
• After the return is open and past the blue-green screen, click in the left menu column on TAX TOOLS, then PRINT CENTER.
• Then choose "Print, save, view this year's return."
• The next screen should offer 3 options:  "Just my tax returns", or "include government worksheets (optional)", or "include government and TurboTax worksheets (optional.)"
• See if those PDFs have no watermark.
  

NOTE:  Do NOT use this method to open a return to make changes/edits to an already-filed return (one that has actually been mailed or efiled.)   If you later need to make changes to an already-filed return, you have to go through the formal amending process, and your return must start off exactly as originally filed.