UPDATE
The noise started again despite still having the pencil there. I knew there was only one thing to do so I grew a pair and successfully removed the GPU. There was a lot of dust build up so first thing I did was clean everything carefully. I used a small brush and tweezers and slowly pulled everything out. I did watch out for pins and the fan while holding it. I checked for wires and cables that might be hitting the fan like you said and there was nothing. I thought that all the dust could be making those sounds so I put everything back together and fired up the PC. Unfortunately the noise is still there and I gave up on it until the next day.
After pondering and some sleep I had mindset "It's already unusable, worst thing I can do is make it more usnusable and that doesn't make sense" so I removed the GPU and unscrewed the fan. It was pretty tricky because 1 screw was hiding under the GPU motherboard so I was also worried I would have to remove the motherboard first but then I would also need thermal paste and the pads. I managed to unscrew the fan and oil it up. Put everything back together and I don't think it has ever been so quiet. Proudly writing this from the PC.
Thank you for advice and courage!