how do you chat with an agent

Refer to this document for ways to contact Apple --> Choose your country or region - Official Apple Support

Select your country (also look for "other" regions), then a product.

Some offer chat support, but not all.

One of the easiest methods to initiate and manage your support cases - or to request a call from an Apple Support Agent - is to use the excellent Apple Support App.

If not already installed on your iPad or other Apple devices, the App can be downloaded from the App Store:

https://apps.apple.com/app/apple-support/id1130498044