Preheat the oven to 350°F (175°C).
Grease a 9×5-inch loaf pan and line it with parchment paper.
In a medium bowl, whisk together flour, baking soda, baking powder, salt, cinnamon, nutmeg, ginger, and cloves.
In a separate large bowl, whisk together brown sugar, granulated sugar, eggs, pumpkin puree, vegetable oil, milk, and vanilla extract.
Gradually add the dry ingredients to the wet mixture.
Stir gently with a spatula until just combined. Do not overmix.
Fold in the chocolate chips, reserving a few for the top.
Pour the batter into the prepared loaf pan.
Smooth the top with a spatula.
Sprinkle the remaining chocolate chips over the batter.
Add pumpkin seeds or a light sprinkle of cinnamon if desired.
Bake for 50–65 minutes, or until a toothpick inserted into the center comes out clean or with a few moist crumbs.
If the top browns too quickly, loosely cover the loaf with foil during the final 15 minutes.
Allow the bread to cool in the pan for 15 minutes.
Transfer to a wire rack and allow it to cool further before slicing.
Slice and serve warm or at room temperature.