Chili with Ranch Sour Cream

Name: Chili with Ranch Sour Cream
Ingredients: 3 tablespoons vegetable oil; 1 large onion, finely chopped; 1 red bell pepper, finely chopped; 2 red jalapeno peppers, seeded and finely chopped; 2 tablespoons tomato paste; 1 canned chipotle chile in adobo sauce, seeded and chopped; 3 tablespoons chili powder; 2 teaspoons ground cumin; 2 teaspoons ground coriander; 2 teaspoons dried oregano; 2 pounds ground beef chuck; Kosher salt and freshly ground pepper; 2 14-ounce cans diced tomatoes; 2 15-ounce cans kidney beans (do not drain); 1 bay leaf; For the ranch sour cream:; 1 1/2 cups sour cream; 1 1/2 tablespoons apple cider vinegar; 2 tablespoons chopped fresh cilantro; 2 tablespoons chopped fresh chives; 2 scallions, thinly sliced; Canned fried onions, for topping