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Heat oil on medium in a large pot and add onion and garlic. Saute for about 2 minutes.
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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.)
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Add seasonings and mix well to combine with meat.
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Add all chopped veggies and mix well. Allow to cook in with meat for about 3 minutes.
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Add pumpkin, tomato paste, tomato sauce, and broth.
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Allow to simmer on low, covered, for at least 30 minutes, or up to 4 hours.
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When about ready to serve, add the chocolate and mix well.
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Serve with all the toppings! We went with cheese, onion, cilantro, and corn chips