many of the silver coins here exhibit the same oxidation. that black spotty toning imo is from improper storage and in my experience comes from humidity over a long period of time. I have several of my mercs that did that and they were in an old whitman blue folder. I think that this franky would details due to
PMD. its so deep I dont anything can clean it up. I would attempt an acetone soak on it. cant hurt it thats for sure. I hate when that happens. the dimes are not that bad yet so I would inclined to get them out of that album and get them into something more stable. they are common coins so I wouldnt spend a lot doing it but if they continue to sit where they are they are probably going to just degrade over time. none are worth grading
two rules I have now
1. look at your coins often to catch issues before they occur
2. properly store your coins in an inert holder/album and in an area that does not have high humidity