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I'm Janne Nissinen a board certified neurologist.
Shingles typically affect the waist or chest and are on one side of the body. As you probably now it is a very painful condition. It is very unlikely that you would have shingles confined only to the breast area as the virus travels along nerves and that's why shingles shows up in a band-like fashion. What you are describing sounds like a fungal rash which typically occurs in warm and moist part in the body, such as skin folds (groin, under breast, stomach folds etc). Also the fact that it occurs during the summer (warm months) suggest fungal rash. You could try an over the counter anti-fungal cream. Any drug-store will carry them and you can ask the pharmacy staff for recommendations on the brands they carry.
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