Southwestern Chili Con Carne

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2 tablespoons vegetable oil

1 green bell pepper, large diced

1 red bell pepper, large diced

1/2 cup red onion, large diced

2 1/2 pounds ground chuck

4 tablespoons chili powder

3 tablespoons ground cumin

2 cloves garlic, minced

1/4 teaspoon cayenne pepper

2 teaspoons kosher salt

1 teaspoon ground black pepper

1/2 teaspoon garlic powder

3 Roma tomatoes, diced

1 (15-ounce) can soy black beans, drained and rinsed, optional

2 tablespoons chopped fresh cilantro leaves