Preheat the oven to 325°F. Grease and flour two 5-x-9-inch loaf pans.
In a large bowl, mix pumpkin puree, eggs, oil, water, and sugar until well blended.
In a separate bowl, whisk flour, baking soda, salt, cinnamon, nutmeg, cloves, and ginger. Combine dry ingredients with the pumpkin mixture and stir until just blended.
Fold in chocolate chips and pour evenly into the prepared pans.
To make the topping, combine sugar and cinnamon and mix well. Sprinkle topping evenly over the top of both loaves.
Tent with foil and bake for 75–80 minutes, or until an inserted toothpick comes out clean. Serve warm, or let cool before serving.