[{'role': 'user', 'content': "Analyze the following clause from a privacy policy and determine if it's fair or unfair. Also identify any privacy practices mentioned: to credit agencies or bureaus as authorized by applicable national laws (e.g. information on late or missed payments or other defaults on your account that may be reflected in your credit report or file)"}, {'role': 'assistant', 'content': 'This clause is fair. The privacy practices mentioned are: nan.'}]