Soften the cream cheese by letting it warm up on the counter, then add to a medium mixing bowl with sour cream and taco seasoning. Mix and stir the ingredients together using the back of a large spoon or a rubber spatula until creamy and smooth. Spread the mixture evenly across the bottom of a large plate or shallow dish to use for serving.
Sprinkle the top with cheddar cheese, lettuce, tomatoes, olives, green onions, diced jalapeno, and other veggies if desired. Serve with tortilla chips.
 Or use one packet of prepared taco seasoning. 1 (2.25 ounce) can sliced black olives, drained.