Easy Spicy Black Bean Soup

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2 tablespoons olive oil

1 1/2 cups chopped onion

2 cloves garlic, finely chopped

1 cup chopped green bell pepper

1 cup chopped red bell pepper

1 tablespoon cumin

1 teaspoon cayenne pepper

6 cups low sodium chicken stock

2 cans black beans, drained and rinsed

Salt and pepper

Cheddar cheese

Sour cream

Chopped red onion