In a large skillet, brown the ground beef over medium heat. Drain excess fat.

Stir in the tomato sauce, salt, pepper, cumin, oregano, chili powder, and minced garlic. Let the mixture simmer for 5 minutes.

Warm the refried beans in a microwave or a separate pot until heated through.

Lay out the flour tortillas and spread a layer of refried beans on each.

Spoon the beef mixture onto the center of each tortilla, followed by a sprinkle of grated cheddar cheese.

Fold the sides of the tortilla in, then roll up from the bottom to enclose the filling, creating a burrito.

Place the burritos seam-side down on a baking sheet, sprinkle with extra cheese, and drizzle with extra tomato sauce if desired.

Bake in a preheated oven at 350°F for about 5 minutes, or until the cheese is melted.

Garnish with cilantro leaves if using, and serve hot.