TMZ reports that Terrell Owens was recently verbally abused by a loud mouth jerk hurling the "N-word" while vacationing in Miami earlier this month. 

Terrell was apparently having his photo taken with some female fans when this guy felt snubbed and went into a tirade including the racial slur.

I have to hand it to T.O., he really kept his cool and left the scene without laying a finger on the guy.  Good for you Terrell!