Chili with White Beans

Name: Chili with White Beans
Ingredients: 1 tablespoon olive oil; 1 large yellow onion, finely diced; 3 cloves garlic, finely chopped; 1 1/2 pounds ground beef; 1 1/2 teaspoons dried oregano, (mexican if possible); 1/4 cup chili powder; 2 bay leaves; 1 tablespoon unsweetened cocoa powder; 1 1/2 teaspoons salt; 1/2 teaspoon cracked black pepper; 1/4 teaspoon cinnamon; 28 ounces diced fire roasted tomatoes; 3 cups beef stock; 8 ounces tomato sauce; 2 15 oz cans of small white beans, drained and rinsed (can also mix with black beans); 1 red onion, finely diced; 1 bunch cilantro, chopped; sour cream; cooked white or brown rice (optional)