Preheat the oven to 400 degrees and line a sheet pan with non stick aluminum foil
Wash zucchini, then cut in half lengthwise and scoop out the pulp.
Place zucchini halves on a lined cookie sheet.
Heat oil in a large skillet over medium high heat.
Add onion and peppers to the pan and saute for around 4 minutes to soften.
Add garlic and saute for 1 minute more.
Add ground beef/turkey and brown, breaking up with a wooden spoon around 3-5 minutes.
add tomatoes then take 1/2 for the mixture and transfer to a saucepan.
Reduce heat to medium and season the 1/2 of the mixture in the skillet with the Italian season. Season the 1/2 in the sauce pan with cumin, chili powder, cayenne and add the rinsed and drained black beans. Simmer for 5-7 minutes.
Divide mixture between each zucchini boat and sprinkle each with the corresponding cheese, if using.
Bake uncovered for 30 minutes and serve immediately.