Authorize.net (CIM) Create customer profile with ruby on rails - ruby-on-rails

Question

Create customer payment profile using API.
Getting error:
E00003
The element 'paymentProfiles' in namespace 'AnetApi/xml/v1/schema/AnetApiSchema.xsd' cannot contain text. List of
possible elements expected: 'customerType, billTo, payment,
driversLicense, taxId, defaultPaymentProfile' in namespace
'AnetApi/xml/v1/schema/AnetApiSchema.xsd'
Request to Authorize.net
<AuthorizeNet::API::CreateCustomerProfileRequest:0x007fc91d9e48a8 #merchantAuthentication=nil, #refId=nil, #profile=#<AuthorizeNet::API::CustomerProfileType:0x007fc91d9e4880 #merchantCustomerId="jdoe6607", #description="John2 Doe", #email="2686#mail.com", #paymentProfiles=[#<AuthorizeNet::API::CustomerPaymentProfileType:0x007fc91d9e4ab0 #customerType="individual", #billTo=#<AuthorizeNet::API::CustomerAddressType:0x007fc91d9e4c68 #firstName="Ellen", #lastName="Johnson", #company="Souveniropolis", #address="14 Main Street", #city="Pecan Springs", #state="TX", #zip="44628", #country="US", #phoneNumber="999-999-9999", #faxNumber="999-999-9999">, #payment=#<AuthorizeNet::API::PaymentType:0x007fc91d9e4d80 #creditCard=#<AuthorizeNet::API::CreditCardType:0x007fc91d9e4da8 #cardNumber="4111111111111111", #expirationDate="2020-05", #cardCode="111", #isPaymentToken=nil, #cryptogram=nil>, #bankAccount=nil, #trackData=nil, #encryptedTrackData=nil, #payPal=nil, #opaqueData=nil>, #driversLicense=nil, #taxId=nil>], #shipToList=[#<AuthorizeNet::API::CustomerAddressType:0x007fc91d9e4a60 #firstName="John", #lastName="Snow", #company="Night's Watch, Inc.", #address="Castle Black", #city="The Wall", #state="North Westeros", #zip="99499", #country="Westeros", #phoneNumber="999-999-9999", #faxNumber="999-999-9999">]>, #validationMode="liveMode">
Code:
transaction = Transaction.new(api_login_id, api_transaction_key, :gateway => :sandbox)
payment = PaymentType.new(CreditCardType.new)
payment.creditCard.cardNumber = '4111111111111111'
payment.creditCard.expirationDate = '2020-05'
billTo = CustomerAddressType.new
billTo.firstName = "Ellen"
billTo.lastName = "Johnson"
billTo.company = "Souveniropolis"
billTo.address = "14 Main Street"
billTo.city = "Pecan Springs"
billTo.state = "TX"
billTo.zip = "44628"
billTo.country = "US"
billTo.phoneNumber = "999-999-9999"
billTo.faxNumber = "999-999-9999"
paymentProfile = CustomerPaymentProfileType.new
paymentProfile.payment = payment
paymentProfile.billTo = billTo
shippingAddress = CustomerAddressType.new
shippingAddress.firstName = "John"
shippingAddress.lastName = "Snow"
shippingAddress.company = "Night's Watch, Inc."
shippingAddress.address = "Castle Black"
shippingAddress.city = "The Wall"
shippingAddress.state = "North Westeros"
shippingAddress.zip = "99499"
shippingAddress.country = "Westeros"
shippingAddress.phoneNumber = "999-999-9999"
shippingAddress.faxNumber = "999-999-9999"
request = CreateCustomerProfileRequest.new
request.profile = CustomerProfileType.new
request.profile.merchantCustomerId = 'jdoe' + rand(10000).to_s
request.profile.description = 'John2 Doe'
request.profile.email = rand(10000).to_s + '#mail.com'
request.profile.paymentProfiles = [paymentProfile]
request.profile.shipToList = [shippingAddress]
request.validationMode = ValidationModeEnum::LiveMode
response = transaction.create_customer_profile(request)