Sorry for late reply and inconvenience.
Thanks for all these additional information.
I understand your concern.
I have reviewed your picture.
Well as you describe, There is a small risk of melanoma.
Melanoma lesions rapidly increase in size, gets darker fast, they bleed easily and their borders look irregular.
It sounds like Subungal Hematoma and fungal infection as you have yellowish and raised toenail.
Your doctor can easily confirm the diagnosis with a simple test called nail clipping for fungal examination. The nail plate can also be sent for fungal culture. If either one of these is positive then onychomycosis is confirmed.
The treatment that you can get over-the-counter, is medicines like Clotrimazole/Terbinafine/Tolnaftate.
Let me know if you have any further query so we can discuss it thoroughly in every aspect.
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Thanks.