01 - Preheat oven to 350°F. Grease and flour a 9x5-inch loaf pan or line it with parchment paper.
02 - Whisk together flour, baking soda, baking powder, salt, cinnamon, nutmeg, and cloves in a medium bowl; set aside.
03 - In a large bowl, whisk pumpkin puree, eggs, vegetable oil, milk, vanilla extract, granulated sugar, and brown sugar until smooth.
04 - Gently stir the dry ingredient mixture into the wet ingredients until just combined, taking care not to overmix.
05 - Fold semisweet chocolate chips into the batter evenly.
06 - Pour the batter into the prepared loaf pan and smooth the surface.
07 - Bake for 50 to 60 minutes until a toothpick inserted near the center comes out mostly clean with a few moist crumbs.
08 - Cool the bread in the pan for 10 minutes before transferring to a wire rack to cool completely prior to slicing.