Dreams involving fungus, especially in such a vivid and unsettling way, can be quite significant. Fungus often symbolizes feelings of decay, neglect, or issues that might be festering beneath the surface. Here are a few interpretations of your dream:

1. Emotional Burden: The white fungus covering your skin may represent emotional issues or stress that you feel you cannot get rid of. The fact that it returns after you wipe it away suggests that these feelings might be persistent or recurring.
2. Self-Perception: The bumpy skin and the mushrooms under your eyes could signify a concern about your appearance or how you perceive yourself. It may be worth reflecting on whether you are feeling judged or if there are aspects of your life that you feel are causing you to "hide" or feel uncomfortable in your own skin.
3. Health Concerns: Dreams about bodily changes or abnormalities can sometimes reflect worries about health, either physical or mental. If you have been feeling unwell or anxious lately, this dream may be a manifestation of those concerns.
4. Transformation and Growth: On a more positive note, mushrooms can also symbolize growth and transformation. This dream might be urging you to acknowledge and confront these underlying issues, as doing so could lead to personal growth.

Consider what is happening in your life currently. Are there any stressors or emotions that you have been avoiding? Reflecting on these aspects can help you understand the message your subconscious may be trying to convey.