genital wart or skin tag

* two pictures will be included the first one will be the end of last month and the 2nd one would of been taken on 12/16/21 *someone please help!!!! so at the end of last month i noticed this growth right under the opening of my vagina so i went to the obgyn and she said that it could possibly be a skin tag or genital warts and she didn’t do a biopsy because she said they we're small and she wasn't that worried about it so she prescribe me cream and before i started using the cream they started to go down and basically disappear but i still decided to use the cream to be safe and she informed me of the side effects and they could cause burning itching etc but nun of the side effects are affecting me so it has now 2nd guessing

are there only skin tags caused by friction and rubbing with my panties i just need 2nd opinions i have a biopsy scheduled for the

end of this month