"I was wondering why I have this? I was wondering what it was..."

Based on the description provided, the skin issue could potentially be a fungal infection called cutaneous candidiasis. It is recommended to try treating it with Clotrimazole 1% cream, applying it twice a day for 7 to 14 days. If there is no improvement after 14 days or if it gets worse, it is advisable to consult a doctor. To prevent cutaneous candidiasis, avoid wearing tight clothing, excessive heat, make sure to keep the area clean and dry, avoid sharing towels, and refrain from scratching the affected area to prevent spreading the infection.