Heat oil in a large pot over medium heat.
Add onion and sauté until translucent.
Stir in garlic and cook until slightly golden.
Add ground beef, stirring, breaking apart with a wooden spoon. Continue to cook for about 5 minutes.
Stir in chili powder, cumin, oregano, salt, cayenne, and chili paste.
Continue to stir until meat has been coated with seasonings.
Add tomatoes, beans, enchilada sauce, and chocolate. Reduce heat and simmer, covered for 30 minutes.
Garnish with spinach cilantro pesto, crema, cotija cheese, tortilla strips, cilantro, and fresh lime juice.