Hello mam. Glad that u shared the snap to know more...  In the PCOD/PCOS there is a whole lot of hormonal fluctuations going on in the body. This is usually the cause for pigmentation. Insulin is one such hormone whose decreased sensitivity causes the Hyper pigmentation. The hormonal treatment for the condition should give u mild relief. While at it you can use few safe moisturizers and sunscreens. The skin tags however can be removed by various methods like excision,  cryotherapy or lasers.  U can contact or text me online for more details.