Preheat your oven to 350°F (175°C) and spray a 9×13 baking dish with non-stick spray.

Heat olive oil in a large skillet over medium heat.

Add diced onions and bell peppers to the hot oil, and cook for 5-6 minutes until they start to soften and become fragrant.

Add the minced garlic, cooking for another 30 seconds, stirring constantly to prevent burning.

Toss in the ground beef and break it up with your spatula as it cooks. Season generously with salt and pepper, cooking for 7-8 minutes until browned with no pink remaining. Drain excess fat if needed.

Stir in the Worcestershire sauce and let it coat the meat mixture for an enhanced flavor.

Reduce the heat to low and add the softened cream cheese, stirring until completely melted and creamy.

Transfer the mixture to your prepared baking dish and spread it evenly.

Layer torn provolone over the beef, then top with shredded mozzarella.

Bake for 22-25 minutes until the cheese is melted, bubbly, and lightly golden on top.

Let it rest for 5 minutes before serving to allow those flavors to meld together.