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Actually this is beginning to sound more like PTSD than OCD. IN either event, treatment is the same. Your dosage of prozac is inadequate to treat either. It typically take 60-80mg to treat either disorder. Some people cannot tolerate that much Prozac (stimulation) but other SSRIs work as well. My guess is you are having highly intrsive thoughts (OCD) but it is unusual for them to occur during sleep. You symptoms sound like repressed trauma from childhood is finding it's way to surface. It is usually some type of abuse/neglect. I have seen people repress (forget) these memories into their 50s. Psychotherapy is especially helpful.
I know that you said that before, and I understand why you would think so. However, don't you think it is odd that I remember dreams from so long ago? Also, the dreams that disturb me most are the ones where I am harming others, not others harming me. Also, how does it explain my fear of my own bad thoughts? I truly do know they are only thoughts, but the emotional reaction that I have to them at the time feels the exact same when I think about them now. Also, my intrusive thoughts are almost like little "vignettes", for lack of a better word. Like very detailed stories. What disturbs me most is that I have such an emotional response to the remembrance of these thoughts, which strikes me as odd because they are just thoughts.
There is a condition where there is a mild schizophrenic tendency that is controlled by OCD (OCD keeps bizarre experiences under control). At time treating the OCD makes the bizarre thoughts worse. Personally, the only way I can diagnose it is with the MMPI2 as it is a tough differential diagnosis. The vivid anxious memories being so intense may be a part of OCD. You really need to see someone good at diagnosis to find out.