Heat oil, add onion, and garlic cook til onions are clear.
Add beef, chiles, and seasoning mix. Cook until the meat is browned. Stir in tomatoes, salsa, water, chocolate chips, almonds, and cinnamon. Bring all of this to a boil, then simmer for 45 minutes, stirring every 15 minutes. Add the pinto beans last and heat for 15 minutes longer.
Garnish with broken taco shells, cheese, sour cream, cilantro, or diced tomatoes.