Place a large saucepan over medium-high heat. Add the meat and cook, breaking it up into very small pieces.
Season meat with salt and pepper and stir to combine. Remove the meat from the pan and set aside.
Add the oil to the saucepan and heat over medium heat.
Add the onion and saute for two minutes or until soft.
Add the garlic, cumin, and oregano and cook, stirring constantly, for another minute.
Add peppers, and continue to cook until peppers are soft, about 2 minutes.
Add the beans, tomatoes, cocoa powder, and meat to the pan. Combine thoroughly.
Cover, and simmer on low heat for about 20 minutes, stirring occasionally.