Heat oil on medium in a large pot and add onion and garlic. Saute for about 2 minutes.
Add meat and brown completely, breaking up any big pieces and mixing periodically. (If using a Crockpot, transfer meat mixture to the pot and add all remaining ingredients, and cook on low for 6-8 hours.)
Add seasonings and mix well to combine with meat.
Add all chopped veggies and mix well. Allow to cook in with meat for about 3 minutes.
Add pumpkin, tomato paste, tomato sauce, and broth.
Allow to simmer on low, covered, for at least 30 minutes, or up to 4 hours.
When about ready to serve, add the chocolate and mix well.
Serve with all the toppings! We went with cheese, onion, cilantro, and corn chips