Coat a Dutch oven with cooking spray. Heat on medium high; add sirloin or turkey. Cook 6 to 8 minutes or until no longer pink, breaking it into small pieces as it cooks. Remove meat; reserve. Season with salt and pepper. Return Dutch oven to stove. Add oil; heat on medium. Add garlic, onion, and bell pepper; cook 10 minutes or until softened. Add reserved meat; stir in beans, tomatoes, cumin and cocoa. Heat to boiling. reduce heat to low and simmer 25 - 30 minutes. Add water as need to thin chili.
Note: ground chicken can be used instead of ground sirloin or turkey
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