When someone is listening to their iPod and they hold it between their legs whilst doing something else.
John: Eww, crotch music!
Mark: Aww, come on, I'm reading the map.
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When one of your earbuds fall down and rests in your crothch.
Dude: Shit
Mate: What?
Dude: I just got a music crotch
Mate: Haha lol