1. In a large pot, heat olive oil over medium heat. Add the ground turkey or chicken and cook until browned, breaking it apart with a spoon.

2. Sprinkle in the taco seasoning, garlic powder, onion powder, cumin, salt, and pepper. Stir well to coat the meat evenly with spices.

3. Add the diced tomatoes, green chilies (if using), black beans, and chicken broth. Stir to combine.

4. Bring the mixture to a simmer over medium heat. Add cubed cream cheese and stir continuously until melted and the soup is creamy.

5. Stir in the shredded cheddar cheese until fully melted and the soup is smooth.

6. Taste and adjust seasoning with more salt or pepper if desired.

7. Ladle into bowls and serve hot. Garnish with optional toppings like sour cream, cilantro, or lime wedges.