Soak the beans in water overnight in at least 8 cups of water. This removes toxins from the beans. The next day, at least 2.5 hours before mealtime, rinse the beans in clear water. Fry the chopped onion and carrots in olive oil until the onions are transparent, then add the minced garlic and beef. Break up the beef and fry on medium high heat, stirring frequently, until mostly cooked. Add the remaining ingredients except for the tomato and chocolate. Simmer covered 60min, add the remaining ingredients then simmer uncovered another 30min. Beans must be cooked through to make sure they are digestible.