<prompt> Human: Hello rpersonalfinance I hope you guys can help me out.I received a letter from the IRS saying I owe 1,734 due to not reporting 4,100 worth of income in 2015. Looking back I know where the 4,100 came from but did not realize at the time that I should have reported it.So at the start of 2014 I had an extra 4,250 in my savings account that I had saved up from the previous year. On 1152014 I took reddits advice and opened Vangaurd Roth IRA with the money. I did not think I needed to report this on my taxes as the money was already taxed. In December of 2015 I had a family emergency and needed to withdraw some of my original contribution. Everything Ive read about Roth IRAs made me think I could withdraw contributions tax and penalty free. So on 12162015 I withdrew 4,100 from the Roth IRA. I did not report this money to the IRS as I thought it was already taxed and I did not think I owed anything on it. Evidently I was wrong. Vanguard reported this 4,100 to the IRS as income.So my question is do I actually owe anything? Or do I need to just write a letter to the IRS stating what I stated above along with some documentation from my Roth IRA showing that I have not withdrawn any earnings? Do I need to fill out some forms?Any help would be greatly appreciated!  <response>: You shouldnt owe anything if you had filed Form 8606 Part 3. Call the IRS. You can either solve it over the phone, or they still want you to send in the missing form. 