Cheesy Creamy Black Eyed Peas

Name: Cheesy, Creamy Black-Eyed Peas
Ingredients: 1 tablespoon vegetable oil; 6 slices bacon, cut into roughly 1-inch pieces; 1 large white or yellow onion, diced; 1 Cubanelle pepper, seeded and chopped; 3 cloves garlic, minced; 3 (16-ounce) cans black-eyed peas, drained and rinsed; 1 pint heavy cream; 4 ounces cream cheese, cut into 6 pieces; 4 scallions, chopped; 1/4 cup fresh cilantro, chopped; 1 1/2 cups Monterey Jack cheese, shredded; Salt and pepper, to taste