Prepare cream cheese layer. Beat cream cheese, sugar and dash of vanilla until creamy. Set aside.
In a small bowl combine sour cream and vinegar, set aside.
In a bowl combine flour, cinnamon, baking soda, and baking powder, set aside.
In a large bowl, on medium speed, beat sugar and eggs about 2 minutes.
With a fork mash the bananas. Add bananas, sour cream, oil and vanilla to sugar/egg bowl. Give it a quick mix.
Add half of the flour mixture and mix; add remaining flour and mix again.
Stir in chocolate chip morsels.
Pour 2/3 of the mixture into the bundt pan.
Pour the cream cheese mixture into the middle, then gently spread. Don’t spread all the way to the edges of the pans or it will ooze out. Pour remaining banana bread mixture.
Bake in a preheated oven at 350°F for 45-55 min. Check readiness with a toothpick will come out clean if ready.
Remove bundt cake from oven. Run a cold wet rag on the bottom and sides of the pan. Let cake lightly cool.
Take the platter you will be using, flip it over and put it on top the bundt pan, then, holding the cake and platter together flip the pan/platter. Once you set it down, let go of the pan and the cake will drop onto your platter.
Once the cake is cooled, dust with powdered sugar, optional.