Female Advice Preferred: So... Normal?

[TwilightDwells]

Hi! Okay, I'm a little freaked out at the moment (you'll see in a second) so bear with me here when I says I'm really sorry that this may sound a little frazzled and poorly worded.
Okay, so tonight I was in my room and my panty-liner sort of folded backwards when I slid down from my bed (mostly because I probably didn't put it on properly). At first I ignored it and said I'd wait to the bathroom to fix it. Anyway, it started pulling "down there" and I knew that I'd waited long enough. I know I'm not the smartest person--so instead of just reaching into my underwear and fixing it the easy way (in my mind, I thought it was going to cause pain) I went to the bathroom to fix it properly.
It ended up pulling anyway, while I was taking it off/out because I jumped when my friend texted me because I had my phone on the counter (unlucky right?). Apparently, down there is fairly sensitive (hah!). Anyway, back to the story, so, in my usual reflex to pain, I rubbed where it had pulled. Don't know why, I just do it because it's my usual response. I hadn't rubbed hard--it hadn't hurt anything, but as I went across the...uh...back of it--towards the anus--- I felt a tiny little hard spot. So I was like "just my luck, get something stuck up there why don't you Katie?" and I decided I'd better check it out.
The first time checking, I didn't find anything, but I decided to check a second time just to make sure. So instead of searching just the...errr...outer areas I went a little bit deeper, less than a centimeter I'm pretty sure, but probably nothing more than that. And I found that tiny little (seriously, it's very small probably around or less than a millimeter) bump again. So I tried to move it, but it wouldn't move and, in panic, I pressed a little too hard with my fingernail and that hurt more then even ripping the bent-backwards pantyliner.
So...it's still there. Yes, I checked a third time. Also, don't worry, I didn't cut myself or anything. It doesn't hurt down there at all. That is what confuses me, it doesn't hurt--but knowing it's there drives me crazy with panic. I'm still a virgin, and don't usually make much contact with myself down there, so I don't know what the problem could be. Is this normal? Or is it something else? I'm completely at a loss so any adivce would help... Thanks!

[Maloo]

It could possibly be an ingrown hair