As you may recall, I've had some bad experiences with chocolate bread. But I'll try anything twice-- sort of-- I mean, if that anything is chocolate, then yes.
Le Pain Quotidien is a multinational French/healthy/natural/organic(?)/bakery place. It's like the healthy, sit-down cousin of Au Bon Pain. Their hot chocolate is pretty good, but when I was there recently, I decided to branch out and order their chocolate bread.
As you can tell, Le Pain Quotidien's chocolate bread came with cream and jam, as if it were a scone. Delightful. The chocolate chips in it were a little melty and quite lovely. But there weren't enough of them. There was a lot of bread that was brown-colored, so I guess it had some cocoa powder mixed into it or whatever, but it did not taste very chocolatey. It mostly just tasted like bread, unless you bit into a part with a chocolate chip in it.
BOTTOM LINE: If you're looking for breakfast, this chocolate bread is a good option. If you're looking for chocolate, I think you will find this insufficient. It's okay. Just go eat a chocolate bar.