Preheat and Prepare: Preheat your oven to 350°F (175°C) and prepare a baking dish for the dip.
Cook the Meat: In a skillet over medium heat, cook the ground beef with the diced onion and minced garlic until the meat is browned. Drain any excess grease.
Mix in Creaminess: Reduce the heat and stir in the softened cream cheese and sour cream, mixing until the mixture is smooth and well combined.
Add Flavors: Add the drained diced tomatoes, refried beans, chili powder, cumin, salt, and black pepper. Stir everything together until evenly mixed.
Bake: Transfer the mixture to your prepared baking dish, top with the shredded cheddar cheese, and bake for 20-25 minutes, or until the cheese is bubbly and golden.
Garnish and Serve: Once baked, garnish with chopped green onions and serve hot with tortilla chips.