In a large pot coat pan with 2 tablespoons oil; place over medium heat. Add onion and sauté until soft, about 5 minutes. Add carrots and bell pepper. Cook for 3 minutes, until fragrant.
Add garlic and cook about 30 seconds. Add ground beef. Brown meat while breaking it up with a wooden spoon, about 5-7 minutes. Stir to break up lumps.
Add chili powder, paprika, cumin, pepper, salt, diced tomatoes, crushed tomatoes, tomato sauce, broth and water. Stir to combine.
Add in kidney, black and pinto beans.
Bring mixture to a boil. Cover, reduce heat and simmer until meat and vegetables are tender, about 30 minutes (I like to make this in the morning so I can have it sit all day and have the flavors come together).
Garnish with sour cream, scallions and cheese.
Serve & Enjoy!