Add 3 tbs melted butter and cut it in with a fork until crumbly.
Sift together 2.5 cups flour, 2 cups brown sugar, baking powder, cinnamon, ginger, all spice, nutmeg, and salt.
Make a well in the center of the dry mixture and add 2 eggs, pumpkin, olive oil and 2 tsp vanilla extract, then beat together until smooth.
Optional: Add 1 cup chocolate chips to mixture and fold in with a spatula.
Place pumpkin mixture in muffin cups about 1/2-2/3 full.
Make a hole in the middle of the muffin mix, then add about 1 tablespoon of the cream cheese mixture, trying to keep cream cheese from touching the paper cup.