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Rather than any of these, the best phrase would actually be "a personal matter," because it states that you are dealing with something personal, but it does not imply anything about what you are dealing with; it is non-specific, and that's a good thing here.
You don't need to give details. It's enough to simply say, ?I want to let you know I'm dealing with some stress in my personal life right now.
Personal issues could be family matters, health issues or financial concerns. They can also involve life-changing events, such as pregnancy or a death within the family. Personal problems can adversely affect your job performance if ignored or improperly handled.
You don't need to go into anything too personal, such as sharing a medical diagnosis or the specific symptoms you're experiencing. However, do the best you can to explain what you are experiencing so your boss can understand why you are coming to them.
Tips Start with Dear and the person's title and name. Say what the problem is first. Then, give more details. ... Make it short and clear. Just include the most important information. Say Thank you for your understanding at the end. It shows that you hope the reader will understand your problems.