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Gather ingredients
Set oven to 350°F
Mix sour cream, cream cheese, and taco seasoning mix together
Set aside once mixed
Open refried beans and spread into pan
Add the cream cheese and sour cream mixture on top of the refried beans
Set aside
Cook and drain ground beef
Mix taco sauce into ground beef
Add meat onto the cream cheese and sour cream mixture
Add shredded cheese
Place dish in oven until cheese is melted
Top with Lettuce and tomatoes
Scoop and serve with tortilla chips.