Preheat the oven to 350 degrees.
In a large microwave-safe bowl, melt the cream cheese and sour cream on high for one minute.
Mix in the refried beans, chopped green chiles, taco seasoning mix, and 2 cups of shredded Mexican cheese.
Spray a 9x13-inch casserole dish with non-stick cooking spray. Spread the bean mixture into the pan, then sprinkle the top with the remaining 2 cups of shredded Mexican cheese.
Bake in the oven for 25 minutes.
Garnish with sliced black olives, green onions, and dollops of sour cream.
Serve with tortilla chips.
