Preheat oven to 350 degrees F.
In a large bowl, combine sugar, flour, baking soda, baking powder, cinnamon, nutmeg, cloves, and salt.
In a medium bowl, combine the pumpkin puree, eggs, vegetable oil, and water. Blend with a mixer.
Add the wet ingredients to the large bowl with the dry ingredients. Continue to blend until well combined and smooth.
Add chocolate chips to the batter and mix with a spoon.
Grease 2 loaf pans (9×4) and pour 1/4 of the batter in each of the loaf pans. Using a spoon, spread equal amounts of the cream cheese filling in each pan over the first layer of the batter. Pour the rest of the batter in both pans, covering the cream cheese layer.
Bake for 50 mins to an hour or when toothpick comes out clean. Let cool 5 mins before serving.