ammonia smell down there... help

I have noticed lately I have a ammonia smell down there when I go to the bathroom to change my tampon! very unpleasant odor... was told I could possibly have a tampon lodge up there but I checked and I don't. I read that it could be my urine that is causing that smell ... should it be alarming? I really don't water tbh ... I feel other people can smell it so I try to stay to myself.. sorry lol I corrected myself yes I mean ammonia