Preheat your oven to 350 degrees F. Spray a 9x13 baking dish with non-stick spray and set aside. Heat olive oil in a large skillet over medium heat until the oil moves easily across the pan.

Add diced onions and bell peppers to the skillet. Cook for 5 to 6 minutes, stirring occasionally, until softened and the onions turn slightly translucent. Add minced garlic and stir constantly for 30 seconds.

Add ground beef to the skillet and break it apart with a spatula as it cooks. Season generously with salt and pepper. Cook for 7 to 8 minutes until no pink remains. Drain excess fat if needed.

Stir in Worcestershire sauce and let it coat the mixture for 30 seconds. Reduce heat to low. Add softened cream cheese in small spoonfuls and stir until fully melted and smooth.

Transfer the beef mixture to the prepared baking dish and spread evenly. Tear provolone slices into pieces and layer across the top. Sprinkle shredded mozzarella over everything.

Bake uncovered for 22 to 25 minutes until cheese is melted, bubbling at the edges, and lightly golden on top. Let rest for 5 minutes before serving.