For 2021 you can no longer remove the ccntribution plus earnings without penalty.
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after tax due date including extensions:
you distribute the excess amount being carried forward on 5329,
(or offset it with currently allowed contribution) .
Amended return(s) will be needed supplying that Form 5329 since there is a 6% penalty per year on accreting excess contributions .
Earnings stay in the Roth account.
Consult your custodian to obtain the correct removal form for this case.
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By removing now (2025) your last penalty will be on 2024 tax return.
You can't get a waiver on the penalty for this scenario.
@jliangsh
