Pre heat oven to 350 degrees.
In a medium skillet add ground beef, season with salt and pepper, cook until the beef is completely cooked through, about 5-7 minutes. Remove from heat, drain grease and set aside.
In a medium bowl mix together enchilada sauce, green chiles, black beans, sour cream, cream cheese or cream of chicken, cumin, chili powder, 2 cups shredded cheese, and beef. Stir together until well combined.
In a 1 quart casserole dish, pour Frito chips in the bottom, add beef mixture on top of the chips, and then sprinkle remaining cheese on top. Bake uncovered for 20-25 minutes or until warm and bubbly and cheese is melted on top.
Serve immediately topped with lettuce and chopped tomatoes. Some additional fantastic toppings include: guacamole, sour cream, red onion, and salsa.