Preheat oven to 350° F. Spread refried beans over bottom of 9 x 13 baking dish.
In bowl combine cream cheese, sour cream, and taco seasoning. Add garlic. Spread cream cheese mixture evenly over beans. Sprinkle Cheddar cheese over top.
Bake 15-18 minutes or until hot. Top with olives, diced tomato, green onions, and cilantro. Serve with tortilla chips.
Servings: