Python - Unable to parse XML data

I am trying to insert data into contacts, but I am getting this error. Can anyone help what is going wrong

b'<?xml version="1.0" encoding="UTF-8" ?>\n<response uri="/crm/private/xml/Contacts/insertRecords"><error><code>4835</code><message>Unable to parse XML data</message></error></response>\n'

Here is the code:

import urllib.request

authtoken = '####################'

params = {'authtoken':authtoken,'scope':'crmapi','newFormat': '1','xmlData':'<Contacts><row no="11"><FL val="CONTACT NAME">Hannah Montana</FL><FL val=EMAIL"> hannah@hm.com</FL><FL val="PHONE">8889874561</FL></row></Contacts>'}

#<FL val="ACCOUNT NAME"> qwerty</FL> <FL val="CONTACT OWNER"> LOBSTER </FL>

final_URL = " https://crm.zoho.com/crm/private/xml/Contacts/insertRecords"

data = urllib.parse.urlencode(params).encode("utf-8")

#print (data)

request = urllib.request.Request(final_URL,data)

response = urllib.request.urlopen(request)

xml_response = response.read()

print (xml_response)