Preheat oven to 350°F (175°C). Grease and line a 9×5-inch loaf pan with parchment paper.
In a large bowl, whisk together flour, baking soda, baking powder, cinnamon, nutmeg, cloves, and salt.
In another bowl, mix pumpkin puree, oil, brown sugar, granulated sugar, eggs, and vanilla until smooth.
Pour wet ingredients into dry ingredients and fold until just combined — do not overmix.
Mix cinnamon swirl ingredients in a small bowl.
Pour half the batter into loaf pan, sprinkle with half the cinnamon sugar mixture, add remaining batter, then top with remaining cinnamon sugar. Swirl gently with a knife.
Bake for 50–55 minutes or until a toothpick inserted comes out clean. Cool completely.
For glaze: beat cream cheese until smooth, add powdered sugar, milk, and vanilla. Drizzle over cooled bread.