Brown ground beef with diced onion. Shortly before the beef is done, add garlic & cook until beef is done. Drain and discard the fat.
Open and rinse the kidney beans and black beans. Pour them and all other cans of vegetables to a large Dutch oven. Add water, seasonings and ground beef mixture. Simmer on low for at least an hour before serving.
Top with shredded cheddar cheese and serve with corn chips.
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