There is a variety of reasons debts are taken from federal tax refunds. Old tax liabilities, past due child support, etc.
The nature and amount of the debt is not disclosed to any bank or software company. To find out the exact reason why the IRS is retaining all or part of a taxpayer's refund, please call the IRS at 1-800-829-1040 or the Treasury Offset Department at 1-800-304-3107.