Preheat oven to 350 degrees F. Grease two 9×5-inch loaf pans or three 8×4-inch loaf pans.
In a large bowl, mix flours, baking soda, cinnamon, nutmeg, cloves, and salt together. Set aside.
In a medium bowl, whisk together sugars, canned pumpkin, oil, eggs, vanilla, and 2/3 cup water until well combined and stir into dry ingredients, just until the dry ingredients are moistened and no dry streaks remain. Stir in chocolate chips. Pour batter in prepared pans.
Bake the bread for 60 to 70 minutes or until a toothpick inserted in the center comes out clean. Remove the bread from the oven and let sit for 10-15 minutes. Run a knife gently around the edge of the bread and turn the bread out, right side up, onto a wire rack to cool completely. After cooling, wrap the bread in a layer of plastic wrap and then a layer of tin foil.