If you type in "free teen chat" into google then the decent ones are freechat123 and teensiteyou dont have to download them all you need to do is type in a chosen screen name.Downsides of sites like...
you have to go to msn.com and you have to download it and you'll see windows live in all programs and you'll see in windows live - window live messanger
It wouldn't technically be considered 3 Dimensional, but you can have avatars and dress them up on a program called Habbz found at www; habbz hotel .ath .cx (no spaces). There you can talk to...