Preheat oven to 350 degrees F.
Cook beef, onion, bell pepper and garlic in a large skillet over medium-high heat, crumbling the beef with a spatula, until the meat is browned, 8 to 10 minutes.
Stir in chili powder, cumin, oregano and coriander; cook, stirring, for 30 seconds.
Add tomatoes (with their juice) and water and simmer for 5 minutes.
Top chips with the chili and cheese. Bake until the cheese is warmed, about 7 minutes.