In a large bowl, beat the cream cheese with a mixer on high, until smooth. Add the milk and pudding mix and continue beating on high for a few minutes until the pudding has begun to thicken the mixture.

Gently fold in your marshmallow fluff followed by the cool whip, chocolate chips and mini marshmallows.

Spoon the mixture into the pie crusts and chill in the refrigerator before serving. Garnish with extra chocolate chips, marshmallows and graham crackers.