01 - Preheat oven to 350°F. Grease a 9x5-inch loaf pan and line with parchment paper for easy removal.
02 - In a large mixing bowl, whisk together flour, granulated sugar, light brown sugar, baking soda, baking powder, salt, cinnamon, nutmeg, cloves, and ginger until evenly combined.
03 - In a separate bowl, whisk together eggs, vegetable oil, milk, pumpkin puree, and vanilla extract until smooth and homogeneous.
04 - Pour the wet mixture into the dry mixture and gently combine just until all ingredients are incorporated. Avoid overmixing to maintain a tender crumb.
05 - Using an electric mixer or whisk, beat softened cream cheese until smooth. Incorporate granulated sugar, egg, and vanilla extract, continuing to beat until creamy and well blended.
06 - Spread half of the pumpkin batter into the bottom of the prepared loaf pan. Evenly distribute the cream cheese filling over the batter and gently smooth. Add the remaining pumpkin batter on top, smoothing the surface.
07 - Bake in the center of the oven for 55 to 65 minutes, or until a toothpick inserted into the center comes out mostly clean. If the top browns too rapidly, loosely cover with foil during the final 15 minutes.
08 - Let the bread cool in the pan for 10 minutes, then carefully transfer to a wire rack and allow to cool completely before slicing.