I got this coin in a lot. There was a tear in the 2X2 which resulted in black stuff on the coin it appears. You think a soak in distilled water and acetone will take it off? If not, I would rather not go through it. I thought it was tarnish but appears though it could be gunk.
Definitely tarnish. A store by me has some carelessly treated 2x2s and all the once-white silver coins inside have really ugly spots on them where the plastic ripped and the air came through. There is no helping it, sadly.
Yes, it appears storage makes the difference. One of my Barber dimes was white face now it is turning rainbow. I think I should stick it in an airtight now to keep that. The 2x2 was old that this coin was in and had a big tear.
I live along the Wisconsin River. Many paper mills. They use chemicals, notably sulfur dioxide. Pierce a 2x2 and you will get a black spot. Especially on silver. For home containment, I use air tight ammo cans.
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