Mash beans and avocado in medium bowl with a potato masher or fork.
Stir in cheese and onion.
In another medium bowl whisk oil, vinegar, salt, and chipotle Chile.
Add cabbage and mix together.
To assemble the wraps, spread about 1/2 cup of the bean and avocado mixture onto a tortilla and top with about 1/3 cup of the cabbage, carrots, and cilantro.