Preheat the oven to 350°F (175°C).
Grease a 9x5-inch loaf pan or line it with parchment paper.
Whisk the flour, baking soda, baking powder, salt, cinnamon, nutmeg, cloves, and ginger in a large mixing bowl until well combined.
Whisk the pumpkin puree, granulated sugar, brown sugar, vegetable oil, eggs, milk, and vanilla in a separate large bowl until smooth.
Pour the dry ingredients into the wet ingredients and stir gently until no streaks of flour remain. Do not overmix.
Fold in the chocolate chips or nuts, if using.
Pour the batter into the prepared loaf pan and smooth the top.
Bake for 55 to 65 minutes or until a toothpick inserted into the center comes out clean.
Cool the bread in the pan for 15 minutes.
Transfer the loaf to a wire rack and cool completely before slicing.
Slice, serve, and store leftovers tightly wrapped at room temperature for up to four days.