Sending XML formatted text to web service

I have a series of forms that send information to various web services.

One is a login form, which consists of a username/password combo, and some other credentials specified in the code.  My CF code looks like this:

<cfinvoke
    webservice="https://my.web.service.url/login?wsdl"
    method="userLookupBySession"
    returnvariable="appauth">
        <cfinvokeargument name="applicationName" value="MYAPP" />
        <cfinvokeargument name="accessCode" value="123456" />
        <cfinvokeargument name="sessionId" value="#session.appid#" />
        <cfinvokeargument name="endUserIPAddress" value="#CGI.REMOTE_ADDR#" />
</cfinvoke>

And that works quite well.

Another form is a registration form.  Like the one above, it accepts four arguments.

• Application name
• Access code
• User data, formatted as XML
• User's IP address.

Here's my code:

<cfxml variable="userData">
<cfoutput>
<USER xmlns:xsi="_http://www.w3.org/2001/XMLSchema-instance">
    <ROW NUM="1">
        <LOGIN_ID>#htmleditformat(userid)#</LOGIN_ID>
        <PASSWORD>#htmleditformat(FORM.password)#</PASSWORD>
        <NAME_LAST>#htmleditformat(FORM.name_last)#</NAME_LAST>
        <NAME_FIRST>#htmleditformat(FORM.name_first)#</NAME_FIRST>
        <NAME_MI></NAME_MI>
        <EMAIL>#htmleditformat(FORM.email)#</EMAIL>
        <OFFICE_PHONE>#htmleditformat(FORM.office_phone)#</OFFICE_PHONE>
        <OFFICE_EXT>#htmleditformat(FORM.office_ext)#</OFFICE_EXT>
        <OFFICE_FAX></OFFICE_FAX>
        <OFFICE_STREET1>#htmleditformat(FORM.office_street1)#</OFFICE_STREET1>
        <OFFICE_STREET2>#htmleditformat(FORM.office_street2)#</OFFICE_STREET2>
        <OFFICE_CITY>#htmleditformat(FORM.office_city)#</OFFICE_CITY>
        <OFFICE_STATE>#htmleditformat(FORM.office_state)#</OFFICE_STATE>
        <OFFICE_ZIP>#htmleditformat(FORM.office_zip)#</OFFICE_ZIP>
        <ORG_TYPE>#htmleditformat(FORM.org_type)#</ORG_TYPE>
        <ORG_NAME>#htmleditformat(FORM.org_name)#</ORG_NAME>
        <USER_TYPE>J</USER_TYPE>
    </ROW>
</USER>
</cfoutput>
</cfxml>

And:

<cfinvoke
    webservice="https://my.web.service.url/register?wsdl"
    method="registerRequest"
    returnvariable="regged">
        <cfinvokeargument name="applicationName" value="MYAPP" />
        <cfinvokeargument name="accessCode" value="123456" />
        <cfinvokeargument name="userData" value="#userData#" />
        <cfinvokeargument name="endUserIPAddress" value="#CGI.REMOTE_ADDR#" />
</cfinvoke>

For some reason this fails, but if I have one of the server guys use the raw XML data, it works fine, so there's something wrong with my cfinvoke.

Has anyone else passed XML data to a web service?  Is there any special thing you need to do to format it?