In a medium bowl, sift the flour, baking powder, baking soda, salt, cinnamon, nutmeg, and ginger. Set aside.
2 cups All-purpose flour, 1 tsp Baking polwder, 1/2 tsp Baking soda, 1/2 tsp Salt, 2 tsp Ground cinnamon, 1/4 tsp Ground nutmeg, 1/2 tsp Ground ginger
In a large separate bowl, add the oil, sugar, brown sugar, vanilla, sour cream, eggs, milk, and grated carrots. Whisk until combined.
1/2 cup Oil, 1/2 cup White granulated sugar, 1/2 cup Brown sugar, 1 tsp Pure vanilla extract, 1/2 cup Sour cream, 2 Large eggs, 2 cups Grated carrots, 1/4 cup Milk
Add in the dry ingredients. Switch to a rubber baking spatula and mix in the dry ingredients until combined.
Pour the carrot cake batter into the pan, spread evenly. Use a small cookie scoop to dollop the cream cheese layer evenly across the pan. Use an offset icing spatula to spread it evenly. Take the crumble out of the fridge, break the large chunks with your hands, and sprinkle across the cream cheese layer.
Bake for 50-55 minutes. Bake until a toothpick inserted comes out with no carrot cake batter.
Let the cake sit in the hot pan for 20 minutes before transferring to a cooling rack. Cool completely before decorating.