It is unusual for lipomas to cause this degree of symptoms and, with the location you describe as "next to the umbilical," I would be concerned that this may actually represent an umbilical hernia. If so, then the "fat" you're feeling and/or seeing actually represents internal...
Lipomas are benign fatty tumors that occur under the skin and less commonly within the muscle. They are associated with mild discomfort and a lump underneath the skin. It is always best to talk to an expert plastic surgeon to determine whether the lipoma is possibly a cyst or a tumor or hernia....
A CT Scan is the appropriate next step, and should help to differentiate this mass from some of the other possibilities.Lipomas are typically soft and non-tender so your description of a painful mass is already atypical. In view of your medical history, it is best if you are assessed in...