Did something happen? It seems evident that
something did. Whether that was sexual abuse or something else, none of us can say. But you don't develop symptoms like these:
I also have an extreme unfounded fear of being in a car near the water and I feel that may be due to the fact that whatever happened (if anything DID happen) happened near the water in a car. I also have a fear of churches and a severe aversion to anything relating to religion. I have had constant reoccurring nightmares, very strange dreams and high amounts of anxiety for seemingly no reason.
... for no reason at all. I would invite you to look again at how you are thinking about this. You use the words "unfounded" and "no reason at all" but that does not seem very likely. What about replacing those with "for reasons I don't know yet?"
I can strongly empathize with how distressing it is to feel that something happened but not know what, and the going back and forth doubting one's own mind. It's a horrible feeling. It's also very common. It comes in waves in my experience. One thing that helped me was reading Charles Whitfield's book Memory and Abuse: Remembering and Healing the Effects of Trauma. He has a lot to say about the nature of traumatic memory and amnesia, and he makes the point that even if we don't remember a trauma in detail, no one can fake the symptoms of PTSD. If you've got them, there is a reason.
My recommendations:
1. The best trauma therapist you can find, as soon as possible. This one is indispensable. Yes, I hear you about the money. Don't know how it works where you are but in most places there is at least some free access to therapy. If you are lucky that may include a trauma therapist. Otherwise, if there is any way you can borrow money, imho this would be the time to do it. It really is worth making this a priority.
2. Read up on trauma and its effects, especially some of the newer work on body memory, like The Body Keeps the Score. The Courage to Heal is a classic and has sections on relationships and parenting. There are many others. But don't let reading take the place of the work you need to do. Back to item #1 above.
3. Have patience and compassion for yourself. Truly, I understand the need to know. But at the same time, there was a good reason why you forgot whatever happened. Don't push yourself too hard too fast.
4. Learn to listen to your body. That's one of the main keys to healing because the body stores memory. Working on the level of the mind is important too, but a lot of therapists forget the body connection (though this is improving) and it is, imho, impossible to heal fully without releasing trauma from the body. You need a therapist who understands and can work with this. There are also some threads here about body memory.
5. Keep posting. There are lots of us here who can understand the situation you are in.