1 can (16 ounce) refried beans
1 pkg (8 ounce) cream cheese , softened
1 cup sour cream
2 tablespoons taco seasoning mix
2 garlic cloves, finely minced
1/2 cup shredded cheddar cheese
1/2 cup sliced olives
1 med tomato , diced
1/4 cup chopped green onions
tortilla chips
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