I noticed this about a week ago and I've had the same girlfriend for about 8 months now. When I retract my foreskin and I look at where my frenulum connects to the glans, there is a sort of build up of hard skin/flesh with nothing inside it, and I have no idea what it is. It causes no pain or discomfort [unless I squeeze it, which goes for anywhere down there, haha] but it's really worrying me. I've been wondering if it's a skin tag, but it's skin colored and with white in some places. I'm 19 by the way.