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借条借款 2500元，分6期偿还，总还款 2678.48元。经IRR计算，真实年化利率约29.8%，远超国家规定的24%上限。平台拆分利息、服务费，未明确公示真实综合年化利率，侵犯消费者知情权与公平交易权，属于违规收取高额利息。          诉求：       

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