This is one of the "Worst Bug Stories" from the awesome website called WhatsThatBug.com:
(12/24/2003) Tampon Infestation
Hi, Your website is awsome, and answers many questions. Anyway, I thought I would share a termite (I think a termite?) horror story. You may not be able to post it as it is a bit graphic but I think it is a great story and a very important PSA for any woman with termites in her house. Anyway, when I was about 12 or 13 I started using tampons. As any girlcan tell you, when you first start you can't do it very well. So I was in the bathroom (of our termite infested house) wrestling with this damn thing which I couldn't (THANKFULLY) get in and finally gave up. Blaming the product, I put it up to my face and popped the cotton part out of the plastic applicator to see if maybe there was something wrong with it. Well,to my horror there were maggots (my biggest fear) writhing all over the cotton, in and out of little holes they had made. I threw it across the room as I assume anyone would and then realized after the shock of maggots in my face, that I had just been trying to shove that thing in myself. After thinking about it I realized that the grubs were most likely not maggots but termite larva, we had just had a "termite night" the day before, where the adult termites fly all over the place and you have to sit around with the lights out. I do not use tampons anymore without first inspecting the cotton part THOROUGHLY. So the moral of this story is to all women, pop the cotton out of the tampon before using to make sure you are not disturbing anyone's meal.
While your story is truly horrific, I don't believe you had termite larvae eating the cotton of the tampon. Termite young are cared for within the colony. A more likely suspect are certain moths or beetles that eat natural fibers.