Heat skillet over medium heat.
Add olive oil and diced onion. Cook until soft.
Add ground beef and cook until browned.
Stir in taco seasoning with water as directed.
Lay tortillas on a flat surface.
Spread refried beans on each tortilla (optional).
Add beef mixture in the center.
Top with cheddar and mozzarella cheese.
Fold sides inward, creating a pocket shape.
Place pockets on baking sheet.
Bake at 375°F for 10 minutes.
Remove and let them cool slightly.
Add toppings like lettuce, tomatoes, and jalapeños.
Serve warm with sour cream.