In a medium bowl, combine the softened cream cheese, sour cream, and taco seasoning. Mix until smooth and well blended.

Spread the refried beans evenly on the bottom of a large serving dish or platter.

Layer the cream cheese mixture over the refried beans, smoothing it out with a spatula.

Sprinkle the shredded cheddar cheese evenly over the cream cheese layer.

Arrange the diced tomatoes in a rectangle shape on the top left corner to resemble the blue field of the flag.

Place the shredded lettuce in a row next to the tomatoes to represent the white stripes of the flag.

Use the sliced black olives to create the stars on the blue field, and place the diced red bell pepper in a line to represent the remaining red stripes.

Top with chopped cilantro and sliced green onions for added freshness and flavor.

Serve with tortilla chips for dipping.