may i ask what does the quirk does and does it change the storyline or anything and also where or how can i find chloe again?
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Quirks are like in-game "content gates" as well as achievements. If you unlock a certain Quirk then you'll get more content of the same type and if you don't then you won't.
For example: the "Adultress" Quirk on Jessica. If you unlock it then you will get more Netori (stealing another man's girl in front of him) content. And if you don't unlock it then the game assumes you don't like that sort of thing and won't show you any more content in that style.
Some Quirks aren't available yet, and most don't have much (if any) content attached right now, but it's planned for future updates.
Hope that helps! :)