Preheat oven to 350°F (175°C).
In a mixing bowl, combine cream cheese, sour cream, refried beans, and taco seasoning. Mix until smooth.
Spread the mixture evenly in a baking dish.
Top with shredded cheddar and Monterey Jack cheeses.
Sprinkle black olives, green onions, and jalapeños (if using) on top.
Bake in preheated oven for 20-25 minutes until cheese is melted and bubbly.
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