This is a great weeknight dinner that can be warming on the stove as everyone in trickling in from sports and work.
Heat the oil over medium high heat in a dutch oven. Add the onion, garlic and both peppers. Saute, stirring for about 5 minutes. Add the turkey and cook, breaking up the lumps
Stir in the flour, chili powder, cumin and cocoa. Cook over low heat for a few minutes. Add the cayenne, vinegar, coffee, tomatoes and salt. Bring to a boil. Simmer gently for 45 minutes. Add the black beans and cook for 10 more minutes.
Serve with sour cream, chopped scallions, cilantro, cheddar cheese and avocado.