Mix cream cheese and 8 ounces of sour cream with pepper and onion relish.
In a deep casserole dish, layer in the following order:
black bean dip
1 jar salsa
8 oz sour cream
mixture of pepper and onion relish, sour cream and cream cheese
1 jar salsaTop with shredded cheeses, tomatoes, lettuce and olives. Serve with chips.