I am a 22yo female with pain right above and around my belly button for 2 days now and bloody discharge from my belly button. it also feels like there is a tiny lump at the top of my belly button.

Belly button: You will need to be seen by a doc to look at your belly button. There may be a lesion on your belly button or irritation or infection especially if you have a deep narrow one that allows for a build up to collect there and irritate the skin.

See a doctor: Preferable a surgeon. This has the potential to be serious or to become serious and you should be examined, cultured and treated. It may require imaging studies, so be prepared. Good luck and get better.

Urachal cyst?: You may have an infected urachal cyst. The diagnosis can be confirmed by ultrasound (sometimes ct scan is necessary). If there is an abscess, it will need to be drained. See a doctor as soon an possible.