Prep the pan. Heat the oven to 350 degrees F. Grease a 9x5 inch loaf pan and line it with parchment, leaving an overhang.
Mix the filling. Beat the cream cheese, peanut butter, sugar, and sour cream until smooth, then mix in the egg and vanilla just until blended.
Make the batter. Whisk the flour and baking powder. In another bowl, beat the butter, sugar, and oil until creamy, then beat in the eggs, yogurt, and vanilla. Stir in the dry mixture, then the cocoa, hot water, and chocolate chips.
Layer. Spread half the batter into the pan, spoon the filling on top leaving a small border, and cover with the remaining batter.
Bake. Bake 60 to 65 minutes until a toothpick near the center has a few moist crumbs and the center reaches 160 degrees F. Tent with foil if the top browns too fast.
Cool and chill. Cool 20 minutes in the pan, then 40 minutes on a rack, and chill 1 hour before slicing.