HPV wart or Skin Tag ?

That would be a mole/skin tag

If it hasn't changed and you've had it for a while, it's not warts. Also HPV doesn't show up on STD test.

I have one right on my groin meeting up my labia majora and it is just a mole. And I am cleared for HPV. HPV moles will be the same color as you skin not darker.

I get those on my armpit when I shave and cut nip myself, could be a tiny scar

Mole, I have one in the same exact spot