In a large mixing bowl, combine the softened cream cheese and sour cream until smooth.

Mix in the shredded cheddar and mozzarella cheeses until well combined.

Add the black beans, corn, diced tomatoes, green onions, taco seasoning, and lime juice to the cheese mixture. Stir until all ingredients are evenly distributed.

Season with salt and pepper to taste, adjusting the flavors as desired.

Transfer the dip to a serving bowl and refrigerate for at least 30 minutes to allow the flavors to meld.

Serve chilled or at room temperature with tortilla chips for dipping.