Preheat the oven to 350F and place paper liners in a Large 6 pan muffin tin
In a stand mixer combine the egg, sugars, Greek yogurt, oil, butter, milk and vanilla.
In a separate bowl whisk together flour, baking soda, baking powder, salt and Cocoa powder.
With the stand mixer on low slowly add the dry ingredients to the wet. Once fully combined mix in the chocolate chips.
Divide this batter between the muffin tins.
In another bowl combine the cream cheese, egg, and sugar. It's okay if it's a bit lumpy. Divide this out on top of the batter filled cups.
In another bowl combine the flour, sugar, butter, and cocoa powder to make the crumble. I like to mix it and form a handful into a small log in my hand. It will come together but be easily crumbled. Crumble half of this over the cream cheese layer.
Combine the mini chocolate chips and white chocolate chips together and sprinkle over the first layer of crumble. Then sprinkle the rest of the crumble over the top.
Bake the muffins for 25-30 minutes until the center batter is fully cooked.
Let rest for 10 minutes before moving to a cooling rack. Once cool serve with coffee or milk.