In a medium bowl, combine the taco seasoning mix with the refried beans. Spread this mixture evenly on a large serving plate.
In a separate bowl, mix the softened cream cheese with sour cream until smooth. Spread this creamy layer over the bean mixture.
Next, pour the salsa over the creamy layer, spreading it out evenly.
Layer the chopped tomatoes, green bell pepper, green onions, and shredded lettuce on top of the salsa.
Generously sprinkle the shredded cheddar cheese over the vegetables.
Finish by garnishing with sliced black olives.
Serve immediately and enjoy this vibrant, flavorful dip at your next gathering!
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