You are correct. What you are experiencing seems to be more serious than ADHD. You presented a number of symptoms that are concerning but not necessarily indicative of any one particular diagnosis. I understand that you do not have medical insurance but there are low-cost or no-cost facilities such as community mental health centers where you can be evaluated by a psychiatrist or other mental health professional.
While I am not able to offer you an online diagnosis I can say that your symptoms are concerning. They may be indicative of possible psychosis. Psychosis is a generalized term that indicates a break with reality. In your specific situation, remembering in great detail events that did not occur is a possible sign of psychosis. The positive news is that you are aware that those events are not real. The major concern is that eventually you will lose the ability to differentiate reality from unreality.
On the other hand, you may not be psychotic. Some of your symptoms have a dissociative amnesia and depersonalization quality about them. For example, dissociative amnesia symptoms include missing periods of time. Depersonalization is often described as being able to “watch yourself” as though you are outside of your body looking in. It also seems that you are experiencing a high degree of anxiety and possibly depression. Depression and anxiety usually go hand-in-hand.
The symptoms you have described are serious and are negatively impacting your life but they are treatable. It is entirely possible that if your symptoms had been treated earlier they may have not progressed. That is why I am advising you to strongly consider visiting your local community mental health center for a psychiatric evaluation and treatment as soon as possible. Usually the phone number for your local community mental health center can be found in the yellow or white pages. You also may be able to locate a therapist by checking this directory. I wish you the best of luck. Thank you for your question.