Heat the oil in Dutch oven or large pot over medium heat.
Add garlic, onion, bell peppers, and carrots. Cover and cook. Stirring occasionally until the vegetables are soft, about 5-7 minutes.
Add the roasted cumin powder, stir for about 1 minute.
Stir in crushed tomatoes(or salsa), vegetable stock, chipotle chili, adobo sauce, oregano, chili seasoning, salt and cayenne pepper.
Simmer, partially covered, stirring from time to time, for 10-15 minutes.
Stir in beans and cook, partially covered for 20 minutes longer.
Adjust salt and other seasonings to your taste. Add freshly ground black pepper.
Garnish with a dollop of sour cream, cheddar cheese, scallions, chopped coriander leaves, jalapeno slices, avocado slices and squeeze of lime.