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, cooking for 5-6 minutes until they start to soften and become fragrant. Add minced garlic and cook for another 30 seconds, stirring constantly to prevent burning.

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

Stir in Worcestershire sauce and let it coat the meat mixture for enhanced flavor. Reduce 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 evenly. Layer torn provolone pieces over the beef, then top with shredded mozzarella for that perfect cheese pull.

Bake for 22-25 minutes until cheese is melted, bubbly, and lightly golden on top. Let rest for 5 minutes before serving to allow flavors to meld together.