Preheat your oven to 350°F (175°C) and grease a 9×5-inch loaf pan.

In a large mixing bowl, cream together the softened butter and granulated sugar until light and fluffy.

Add the eggs one at a time, mixing well after each addition. Stir in the vanilla extract.

In a separate bowl, whisk together the flour, baking powder, baking soda, and salt.

In another bowl, combine the buttermilk (or milk + vinegar).

Gradually add the dry ingredients to the butter-sugar mixture, alternating with the buttermilk. Mix until just combined.

Gently fold in the semi-sweet chocolate chips until evenly distributed throughout the batter.

Pour the batter into the prepared loaf pan, smoothing the top with a spatula.

Bake in the preheated oven for 40-45 minutes, or until a toothpick inserted in the center comes out clean.

Once baked, remove from the oven and allow the loaf to cool in the pan for about 10-15 minutes. Then transfer to a wire rack to cool completely.