Has anyone considered the relationship implications here? I mean, yes you can probably file HOH, but the bigger issue seems to be that your girlfriend is claiming the tax benefits while you pay 95% of expenses. Might be worth having a conversation about finances in general, not just taxes.

I completely understand your frustration with this situation. Based on what you've described, you should be able to file as Head of Household even though your girlfriend claimed your daughter as a dependent. The key is that you're paying more than half the household expenses and your child lives with you - those are the main qualifications for HOH status. However, I'd strongly recommend getting professional guidance to make sure you're doing everything correctly. The IRS can be very particular about documentation, especially in situations like yours where there might be questions about who's entitled to what benefits. Keep detailed records of all your expenses - mortgage payments, utilities, groceries, childcare costs, etc. This will be crucial if you ever need to prove that you're covering the majority of household costs. The worst thing that could happen is getting audited without proper documentation. Also, consider having a serious conversation with your girlfriend about how you both handle finances and tax benefits going forward. This kind of disagreement about money can create bigger relationship issues if it's not addressed properly.

its probably nothing major tbh. mine was just them verifying my w2 info. cleared up in like 3 weeks

Code 570 can definitely be stressful when you're waiting for your refund! I went through the same thing last year. The key is to keep monitoring your transcript weekly for any updates or new transaction codes. Sometimes it resolves faster than expected, other times it can drag on. Since you filed in January, you're still within the normal processing timeframe even with the hold. Try not to stress too much - most 570 codes do get resolved eventually, it's just the waiting game that's brutal.

Anyone know if there's a way to opt out of the IP PIN program once you've opted in? I initially signed up after some concerns about identity theft, but now it feels like an extra hassle every year.

Just to add some clarity on the timing - I've been in the IP PIN program for 3 years now and the pattern is pretty consistent. New IP PINs are typically available online through your IRS account starting around December 28th-January 2nd. The physical CP01A notices usually arrive in the mail between January 10th-20th, depending on your location. I'd definitely recommend setting up your IRS online account if you haven't already - it's much more reliable than waiting for mail, especially if you're planning to file early. You can access it through the "Get an IP PIN" tool on IRS.gov once the new year hits. Just make sure you have all your previous year tax info handy for identity verification when you log in. Pro tip: Set a calendar reminder for early January to check your online account. That way you can get your PIN and file as soon as W-2s and other documents are ready!

Are you sure you're even required to mail anything? I e-filed through TurboTax last year and had capital losses from stock trades, but I never had to mail in form 8453 or anything else. TurboTax attached my electronic 8949 to my return and that was it.

Just to add to the futures contract discussion - different brokers report futures trading differently on 1099s. Some issue a 1099-B and some issue a 1099-MISC for futures trading profits/losses. If you received a 1099-B for futures, double-check the box that indicates what type of transactions they are. I had this exact issue last year and spent hours on the phone with my broker. Turns out they had incorrectly issued a 1099-B for Section 1256 contracts when they should have used a different form. I had to request a corrected form and amend my return.

Had this last month. Same amount. $1,400 taken. Freaked out. Called IRS. Waited two hours. Agent explained. I claimed RRC. Already got stimulus. System caught it. Adjusted automatically. Got CP12 notice later. Explains everything. Can't dispute it if records correct. Check line 30 on your 1040. Probably shows $1,400 there. Common mistake.

I'm sorry to hear about your situation with the medical bills coming up! This sounds like a classic Recovery Rebate Credit issue. The IRS has gotten really good at catching when people accidentally claim stimulus payments they already received. Since you mentioned the exact amount of $1,400, that's almost certainly the third Economic Impact Payment from 2021. Check your tax return copy - if there's an amount on line 30 of your Form 1040, that's where the mistake happened. You should receive a CP12 notice in the mail within a couple weeks explaining the adjustment. If you're absolutely certain you never received that third payment, you can dispute it, but you'll need solid documentation. For your immediate medical bill situation, I'd recommend calling your healthcare provider to see if they offer payment plans while you sort this out.