Preheat your oven to 350°F (175°C). Grease the loaf pan or line it with parchment paper.
In a mixing bowl, whisk together all-purpose flour, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger.
In a separate bowl, combine the pumpkin puree, granulated sugar, brown sugar, oil (or melted butter), eggs, and 1 teaspoon of vanilla extract. Beat together until smooth.
Gradually add the dry ingredients to the wet ingredients, mixing just until combined. Avoid overmixing.
In another small bowl, mix the softened cream cheese, powdered sugar, and 1 teaspoon of vanilla extract until smooth and creamy.
Pour half of the pumpkin batter into the prepared loaf pan. Spoon the cream cheese mixture on top, then carefully pour the rest of the pumpkin batter over the cream cheese layer.
Use a knife or skewer to gently swirl the cream cheese filling into the pumpkin batter for a marbled effect.
Bake in the preheated oven for 60-70 minutes, or until a toothpick inserted into the center comes out clean.
Allow the bread to cool in the pan for about 10 minutes before transferring it to a wire rack to cool completely.