I've been told by posters here that no topical product will remedy the bags. Apparently, in part, they can be genetic. Also, there are due to fat absorption and shifting after menopause.
What I have done is turn to youtube. Google "bagginess under eyes" and you will find MU tricks & tips to disguise them.
I'm sorry but I don't know about dark circles. You might want to check out Mally or IT Cosmetics' Bye Bye Undereye cream.