Excess contributions are between you and the IRS.
after the time allowed for Eliminating excess contribution, I can fix it by making Ordinary Distribution of $7K (or it needs to include the gain) with no tax consequence (on earned interest).
Yes, after October 15, 2021 but no later than December 31, 2021 you could make a regular distribution of $7,000 with no adjustment for earnings, eliminating the excess for 2021 and beyond.
