const individual_data = (user_id) => {
  return {
    "description": "",
    "applicant": {
      "email": "",
      "requiredIdDocs": {
        "docSets": [
          {
            "idDocSetType": "IDENTITY",
            "types": ["ID_CARD","PASSPORT","DRIVERS","RESIDENCE_PERMIT"],
            "fields": null,
            "subTypes": null,
            "imageIds": null,
            "mode": null
          },
          {
            "idDocSetType":"SELFIE",
            "types": ["SELFIE"],
            "fields": null,
            "subTypes": null,
            "imageIds": null,
            "mode": null
          }
        ]
      },
      "externalUserId": user_id
    }
  };
};

const business_data = (user_id) => {
  return {
    "description": "",
    "applicant": {
      "email": "",
      "requiredIdDocs": {
        "docSets": [
          {
            "idDocSetType": "IDENTITY",
            "types": ["ID_CARD","PASSPORT","DRIVERS","RESIDENCE_PERMIT"],
            "fields": null,
            "subTypes": null,
            "imageIds": null,
            "mode": null
          },
          {
            "idDocSetType": "SELFIE",
            "types": ["SELFIE"],
            "fields": null,
            "subTypes": null,
            "imageIds": null,
            "mode": null
          },
          {
            "idDocSetType": "INVESTABILITY",
            "types": ["UTILITY_BILL","BANK_STATEMENT"],
            "fields": null,
            "subTypes": null,
            "imageIds": null,
            "mode": null
          },
          {
            "idDocSetType": "COMPANY",
            "types": ["COMPANY_DOC"],
            "fields": null,
            "subTypes": null,
            "imageIds": null,
            "mode": null
          }
        ]
      },
      "externalUserId": user_id
    }
  };
};