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