Unfortunately a code J means you are under age 59 1/2 but for a return of contribution the J is required to specify that it is a Roth.
That is the consequence of the IRS using code J for two unrelated things.
If you are over 59 1/2 then on the "Lets see if we can lower your tax bill" enter the box 2a amount in the "Another Reason" box to eliminate the 10% early withdrawal penalty on the earnings.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
