Place the chocolate sandwich cookies in a zip-top bag and seal. Use a rolling pin or a heavy object to crush the cookies into fine crumbs, resembling soil.
In a large mixing bowl, beat the softened cream cheese and granulated sugar until smooth and creamy, about 2-3 minutes.
In a separate bowl, whip the chilled heavy cream and vanilla extract until stiff peaks form, about 3-4 minutes.
Fold the whipped cream gently into the cream cheese mixture, combining until smooth and light.
Add half of the crushed cookie crumbs into the mixture and fold in, giving it a muddy, textured appearance.
Pour the entire mixture into your chosen serving dish, spreading it evenly with a spatula.
Use the remaining cookie crumbs to sprinkle a top layer over the filling, creating a soil-like surface.
Gently press the gummy worms into the surface and throughout the top layer, threading some worms into the crumbly soil for a buried effect.
Chill the dirt cake in the refrigerator for at least 2 hours to let flavors meld and the dessert to firm up.
Once chilled, serve slices or scoops of the dirt cake with gummy worms peeking out, perfect for a spooky celebration.