What treatments are available for dark skin areas? I’ve tried all over the counter bleaching creams. (photo)

I am very light skinned, Mexican...(not sure if this matters) but have really dark underarms, elbows, knees, and inner thighs (vaginal area). Anyways, I’ve spent thousands on over the counter creams but have absolutely no results. It’s embarrassing especially when wearing tank tops and shorts - not to mention if I want to be intimate. Please help. What do you recommend?