Hot Bubbly Bean Dip

spread cream cheese on bottom of a casserole dish then place in the freezer to harden. in a large pot mix and heat together the refried beans, 1/2 pkt taco seasoing and chili beans. once it fully mixed and heated through take dish out of the freezer and create your 2nd layer pour beans from the pot and spread onto frozen cream cheese. cover entire surface as much beans as desired open the package of cheese and sprinkle onto top of beans, to create 3rd layer. diced up tomatoes, and add to the top of cheese as your 4th layer add the sliced scallions to the tomatoes and olives on top. place casserole dish in the oven at 375 bake for 20-25 minutes or until hot and bubbly serve with tortilla chips