Preheat oven to 350°.
Spread the refried beans in a square 9x9 oven safe dish.
16 oz Refried Black Beans
In a mixing bowl, combine cream cheese, sour cream, garlic and taco seasoning.
8 oz Cream Cheese, softened, 1 cup Sour Cream, 1 clove Garlic, minced, 2 tablespoons Taco seasoning mix
Mix well with electric mixer.
Spread cream cheese mixture on top of refried beans.
Sprinkle cheddar cheese on top of cream cheese mixture.
3/4 cup Cheddar Cheese, shredded
Bake for about 15 minutes.
Sprinkle olives, tomatoes, onions, cilantro, jalapeno and tomatillo salsa on top.
1 Jalapeno, seeded and diced, 2.25 oz pitted black olives, sliced, 2 Roma Tomatoes, diced, 2 Green Onions, diced, 1/4 - 1/2 cup Tomatillo Salsa, 1/2 cup Fresh Cilantro, chopped
Serve hot or room temperature with Tortilla Chips