I am not 591/2 and I would like to withdraw Roth IRA Contributions only. The problem is I have made Transfers and bought and sold stock, and my roth IRS are now in 2 credit unions and a brokerage company. How does the IRS figure which is my contribution and which is earnings??? What a mess

The IRS does not care from which R-IRA you take a withdrawal. as you have multiple IRAs, they are considered as one R-IRA for withdrawal purposes. the IRS views all of your Roth IRAs together as one big Roth IRA. there is no limit to the number of Roth accounts you can open. Unless an exception applies, most distributions from a Roth IRA before the owner reaches age 59 1/2 will be subject to an "early withdrawal penalty" of 10% on the amount of the distribution. A non-qualified distribution imposes an ordinary income tax on the distribution, but the early withdrawal penalty will be imposed in addition to that tax. SO, Your R-IRA withdrawal will be tax free if You withdraw just the amount of your original contributions, regardless of your age; Earnings,i.e., capital ains on stock investment, on contributions that are withdrawn are subject to income taxes and the 10% penalty tax unless you meet qualifications ; Your ROTH IRA withdrawals may be taxable if:
There are a set of ordering rules for distributions covered in IRS Publication 590;ordering rule; 1.Regular contributions are withdrawn first, 2.Conversion and rollover amounts on a first in, first out basis; and 3.Earnings on contributions taxable.