Heat a large pot over medium-high. Add ground beef and cook until browned, breaking it apart as it cooks. Drain any excess fat.
Add diced onion and garlic to the pot. Stir and cook until onion is softened, about 2 to 3 minutes.
Stir in jalapeño, Anaheim pepper, 1 packet of taco seasoning, black beans, tomatoes, corn, chicken broth, lime zest, half the lime juice, oregano, salt, and pepper. Mix well and taste. Add more seasoning or lime juice if desired.
Lower heat to medium. Add cream cheese in chunks and stir gently until fully melted and the soup becomes creamy.
Let the soup simmer for 10 minutes, uncovered, to allow flavors to blend.
Serve hot with your choice of toppings.