01 - 
                Preheat oven to 350°F. Grease a 9x5-inch loaf pan, line with parchment paper, and grease the parchment.
              
              
              
                02 - 
                For the crumble topping, mix flour, granulated sugar, and brown sugar in a bowl. Add butter and mix with a fork until crumbly. Refrigerate while making the batter.
              
              
              
                03 - 
                In a small bowl, mix the flour, cornstarch, baking soda, baking powder, salt, pumpkin spice, and cinnamon. Set aside.
              
              
              
                04 - 
                In a large mixing bowl, beat eggs, white sugar, and brown sugar with an electric mixer for 1-2 minutes until well incorporated.
              
              
              
                05 - 
                Add pumpkin puree, oil, and vanilla to the egg mixture and mix until combined.
              
              
              
                06 - 
                Add dry ingredients and mix on low until almost combined, then stir in chocolate chips with a spatula.
              
              
              
                07 - 
                Pour batter into the prepared loaf pan and top with the crumble mixture.
              
              
              
                08 - 
                Bake for 60-70 minutes, checking at 50 minutes. Cover with foil if the bread is browning too quickly.
              
              
              
                09 - 
                Cool for 20-30 minutes before removing from the pan.
              
              
              
                10 - 
                For the cream cheese glaze, beat cream cheese and butter until smooth, then add powdered sugar, milk, and vanilla. Adjust consistency with more powdered sugar or milk if needed.
              
              
              
                11 - 
                Drizzle the glaze over the cooled pumpkin bread and serve.