It sounds like you can have a yeast infection. It is a white chunky discharge (small chunks like cottage cheese). It is very itchy and can be treated with a cream from your local store or pharmacy. It will normally come from your vagina and may end up under your clitoris hood. Speak to your mom. It is caused by the natural bacteria in your vagina getting disturbed. Things that can do that is using any flavored, sweet or scented products down there, soap, bubble bath, masturbating with something not clean, antibiotics or diabetes.
If you do not wash between the folds of your lips or under your clitoris hood, you must start to do so on a regular basis. Use plain clean water or a very mild unscented soap with your fingers. Under your clitoris hood and on your inner lips, there are glands secreting an oil (sebaceous glands). This oil together with dead skin cells wil form a white substance called smegma. You have to keep these folds and areas clean.
Do not wash or douche inside your vagina. Your vagina cleans itself and keeps the vagina healthy.