Hi JFK11, and welcome to ehealth forum.
I moved your post from Introduce Yourself to General Q&A because I felt that you would get more exposure and responses there.
As for your problem, if you rule out the obvious possibility of a broken collarbone, it could be anything from a benign fatty mass to a cancerous lump. I hate to say this but I think you need to be patient and wait and see what the results say.
While searching for an answer I came across this photo of a guy with a permanent lump after a collarbone break.
http://www.pbase.com/terbo/image/23485517
Have you ever broken your collarbone or had an injury to that area?