Preparation:

1: Prepare the Fluff Base

1. In a large mixing bowl, beat the softened cream cheese and powdered sugar together until smooth and creamy.
2. Add the vanilla extract and mix until fully incorporated.
3. Fold in the whipped topping gently using a spatula, creating a light and fluffy mixture. Set aside.

2: Make the Chocolate Layer

1. In another bowl, whisk together the instant chocolate pudding mix and cold milk for about 2 minutes until thickened.
2. Let the pudding sit for an additional 2–3 minutes to fully set.

3: Combine the Fluff

1. Fold the prepared chocolate pudding into the cream cheese mixture, creating a swirled or fully combined base, depending on your preference.
2. Gently fold in the sliced bananas, mini marshmallows, and chocolate chips or chunks until evenly distributed.

4: Assemble and Garnish

1. Transfer the mixture into a large serving dish or individual dessert cups.
2. Garnish with additional sliced bananas, chocolate shavings, and a drizzle of chocolate syrup for a stunning presentation.

5: Chill and Serve

1. Cover with plastic wrap and refrigerate for at least 2 hours, or overnight, to allow the flavors to meld and the texture to firm up.
2. Serve chilled and enjoy!