I'm hoping someone can help me. I feel like I made a major mistake. I went to open a Roth IRA for a family member to rollover a 401k in to and accidentally funded the Roth IRA with their checking account! (Yes, I'm an idiot.) So $6,000 was put into the Roth from their checking and then the rollover went through. A few weeks later, I withdrew the $6k. Will I be penalized for early withdrawal? Is it true you can withdraw contributions at any time, tax free? What about any gains that were made in those few weeks? What's my next step here? Any feedback is greatly appreciated.

Your $6,000 withdrawal was made to correct an error, so that $6,000 can be withdrawn without penalty.

However, if the gains are withdrawn, THOSE are subject to the 10% Early Withdrawal Penalty.