Real ChatGPT answer · index seedZ06EjVpCMgUcompleteFinance and banking · retirement accountscommercial

What steps do I take if my bank rejected my excess contribution removal form and I am facing an IRS penalty?

ChatGPTgpt-62 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What steps do I take if my bank rejected my excess contribution removal form and I am facing an IRS penalty?
2 real searches · 1 real-search pass
IRS excess IRA contributions correction remove excess contribution Form 5329 6% excise tax reasonable cause Form 5329 instructionsGoogle ↗
OBSERVEDInstruction
IRS Form 5329 excess contributions correction deadline return of excess contributions IRAGoogle ↗
OBSERVEDReason

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigationalComparisonConsequenceReason50%DefinitionInstruction50%Yes / no

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
IRS excess IRA contributions correction remove excess contribution Form 5329 6% excise tax reasonable cause Form 5329 instructions Google ↗
IRS Form 5329 excess contributions correction deadline return of excess contributions IRA Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS excess IRA contributions correction remove excess contribution Form 5329 6% excise tax reasonable cause Form 5329 instructions
OBSERVED
Google ↗
AI Mode ↗
—Instruction——1x
of 1
IRS Form 5329 excess contributions correction deadline return of excess contributions IRA
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1