Taco Graveyard Dip

Name: Taco Graveyard Dip
Ingredients: 1 tablespoon vegetable oil; 1 pound ground beef (80/20); One 1.25-ounce package taco seasoning mix or 3 tablespoons homemade taco seasoning; Two 16-ounce cans refried beans; 2 cups shredded sharp Cheddar; 8 ounces cream cheese, at room temperature; 4 ounces sour cream; 1 1/2 cups mild salsa, store-bought or homemade; Six 8- or 10-inch flour tortillas, any flavor; 1/2 small head iceberg lettuce; 1/2 cup fresh cilantro leaves, chopped; 1/4 cup canned sliced black olives, chopped