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Credit card company isn't resolving a dispute about a purchase on your statement. On or about XX/XX/XXXX, I entered into a consumer credit transaction facilitated by Klarna to purchase apparel from an online merchant operating as XXXX, for a total amount of approximately {$200.00}. The merchants website presented images and descriptions representing the goods as high-quality clothing and conveyed the appearance that the business was based in XXXX. Upon receipt of the merchandise on or about XX/XX/XXXX, it was immediately apparent that the items delivered were materially nonconforming and not as advertised. The goods were of substantially inferior quality, differed in material, construction, and appearance from the advertised products, and were inconsistent with the representations reli