Combine flour(s), sugar, baking soda, baking powder, salt, cinnamon, cloves, ginger and nutmeg in a bowl.
Combine dates (pits out), bananas, coconut milk, oil, vanilla, and vinegar in a blender (I used my Vitamix), and puree until the dates are no longer chunky. Add the wet ingredients to the dry, and fold in chocolate chips. Mix until just combined. Spread the batter into a greased and floured loaf pan, and bake at 350 degrees for 50-60 min (until a knife/toothpick comes out clean).