My client said that he contributed $6500 Roth on 1/2/2024 for tax year 2023.  Then, withdrew it + earnings on 3/4/2024 when recognized that he was not qualified for tax year 2023.

Charles Schwab said 8J is correct code.  Do we need to explain to IRS that earnings were reported in 2023 tax returns already?

Or, do we need to amend 2023 returns?