The speaker begins with a calm statement: they never asked for an apology. It sounds like someone who has moved on, or wants to seem that way. But the next line turns it around. They came back anyway, and they came back carrying "baggage." The pain didn't need an apology to follow them home.
The title, "bag lady," makes the joke sharper. It suggests someone dragging their belongings around, and here those belongings are emotional. The speaker has become the person who hauls their hurt everywhere.
The final word, "oops," is the heart of the poem's tone. It's casual, almost shrugging, and it plays down something that clearly isn't small. The indented, spaced-out second line gives a little pause before the punchline, like a breath taken before a joke. The mood is dry, wry and a bit sad. The speaker uses humor as cover, admitting they're not as unaffected as they claimed, while pretending it doesn't matter.