Are these fat bags under my eyes? Would it be a complicated surgery to remove them? (photos)

You have a combination of lower eyelid fat and festoons. Lower lid blepharoplasty is performed to remove and reposition the lower lid fat to give a smooth transition from the lower lid to cheek. Festoons are more difficult to treat but can be improve with a combination of surgery and laser resurfacing. Best to see an eyelid expert in your area.

From your photo it appears you would benefit from a lower blepharoplasty to address the lower eyelid area and an upper blepharoplasty to address the upper lid. This will remove excess skin and give a rejuvenated look to this area. You also have festoons. These are more difficult to treat. Some patients find improvement with Morpheus8 treatments. See a board certified plastic surgeon near you to learn more.