What the hell is this - Genital warts

i have seen three doctors two have said they are confident this is not a genital wart and one ahas said she is not sure but that it presents more like a big skin tag. no photos online that i can find look like like what i have. I'm obviously very worried. this thing basically grew over night, it was such a fast onset. i have an appointment with gynae and have already had a new pap smear done. so just holding out till then. but would love to hear if anyone has imput

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It looks like you have a bit of a vaginal prolapse that may be getting worse.
Ask if they can take a scrape to make sure its not cancerous. My main worry would be cancer but I am not a doctor.