In a bowl, combine the cream cheese with sour cream, mix until combined. Remove ¼ a cup of the mixture and set aside (or put it in a pipping bag, you will use this to make the spider web at the end). To the same mixture, add taco seasoning and mix until combined. Set aside.
To a pie dish, add a layer of refried beans. Smooth out the top with a spatula.
Then add the cream cheese taco mixture, and smooth out the top again.
Spread the guacamole carefully on top, and smooth out again. Then use a knife or a toothpick to create a patten for the spider web.
Use a piping bag to pipe out the reserved cream cheese mixture in a spider web pattern.
Sprinkle shredded cheese on the edges of the pie dish to create a circle, top with diced tomatoes, diced onion, sliced black olives, jalapeno, and cilantro.
To create a spider, use a whole olive (pitted or unpitted), and then add slices to add legs. Cover and chill under ready to serve. Serve with tortilla chips.
Cover and chill under ready to serve. Serve with tortilla chips.