Prepare you ingredients. Combine the spices besides the salt and pepper (see notes).
In a large Dutch oven over medium heat, add oil. cook the ground turkey until no longer pink seasoning it with season salt, salt, and pepper to taste.
Add the butter and melt it in the Dutch oven and add the onion. Sauté the onion 5 minutes or until translucent.
Add the garlic and continue to cook until fragrant, making sure to not burn the garlic.
Add the spices to the Dutch oven and cook for 2 more minutes stirring constantly to avoid burning.
Add the stock, chilies, beans and corn to the pot. Bring the chili to a agitated simmer. Reduce the heat to low and simmer uncovered for 30 minutes. After about 20 minutes add the chicken if using.
Remove the bay leaves. Add cream cheese to the Dutch oven and stir until melted. Add the sour cream and heavy cream to the Dutch oven and bring to a simmer. Serve.