Lightly grease the inside of your mug with a dab of oil or butter for a clean release.
Combine the flour, sugar, cocoa powder, and baking powder directly in the mug. Whisk with a fork to break up lumps.
Add the milk, neutral oil, and vanilla extract. Stir until smooth and glossy, about 10-15 seconds. Do not overmix.
Press the dark chocolate chunk into the center of the batter until completely submerged.
Microwave on high for 45 to 60 seconds until set on top but still moist in the center. Let rest in mug for 30 seconds.
Run a clean knife around the rim, invert onto a plate, and garnish with flaky sea salt, powdered sugar, or berries. Serve immediately.