Viginaphobia ????!!!!

Im female 24 and i cant stand the feeling of my vagina. Touching on the outside is tolerable but i do not like washing it it's uncomfortable i screw up my face and can not wait for it to be over but most of all I dont insert my fingers to masterbate or for anything and i dont use toys or tampons because i cant stand the texture and feeling of it and i dont like personally inserting things, but the weird thing is i am fine if husband inserts fingers and toys if i do i stop breathing and hold my breath and i get a screwed up face entire time is this a phobia