In a large bowl, combine flour, sugar, and salt. Make a well in the center and add the yeast and milk. Mix until a shaggy dough forms.
Turn the dough out onto a lightly floured surface and knead for 5-7 minutes, until smooth and elastic. Gradually add the cold butter, kneading until incorporated.
Place the dough in a lightly oiled bowl, turning to coat. Cover and let rise in a warm place for 1-1.5 hours, or until doubled in size.
Punch down the dough and roll it out into a large rectangle. Spread the chopped chocolate evenly over the dough.
Roll the dough tightly into a log, then cut it into 12 equal pieces. Shape each piece into a croissant and place them on a baking sheet lined with parchment paper.
Let the croissants rise for another 30 minutes. Preheat the oven to 375°F (190°C).
Bake for 20-25 minutes, or until golden brown. Let cool slightly before serving.
Notes
Enjoy these delicious croissants warm or at room temperature. Store leftovers in an airtight container at room temperature for up to 2 days.