Combine first 5 ingredients in a large Dutch oven. Cook over medium heat until meat is done and vegetables are tender, stirring until meat crumbles. Drain well, and return to pan. Add tomato sauce and next 7 ingredients; bring to a boil. Reduce heat; cover and simmer 30 minutes. Stir in beans and grated chocolate; cook, uncovered, an additional 5 minutes.
Spoon chili into individual serving bowls. If desired, top with cheese, sour cream, green onions, olives, and salsa.