Hello,
It can be a mole, seborrheic keratosis which is a benign skin growth resembling a wart or a wart. Only a biopsy can confirm the diagnosis. Do not rip it apart as it may cause secondary infection and consult a dermatologist to get it evaluated.
It is very difficult to precisely confirm a diagnosis without examination and investigations and the answer is based on the medical information provided. For exact diagnosis, you are requested to consult your doctor. I sincerely hope that helps. Take care and please do keep me posted on how you are doing.
I had something like this a couple of years ago. A plantar wart. It would get really sore but i would try to shave as much skin off of it as I could after I would get out of the shower. When the skin would grow back and get hard again I would do the same thing.
I went to the doctor and he froze it and told me to go back in a couple of months for another freezing, but one day I was just picking at it and I tore the whole thing out! It left a little whole in my skin, but it didnt come back. And the whole went away :)
Hope this helped.