The below code should work. You were missing a <sequence> after a <complexType>. You can't have an <element> after <complexType>.

CREATE XML SCHEMA COLLECTION UserRoleConsumerSchema AS '

<schema xmlns="http://www.w3.org/2001/XMLSchema">

<element name="UserRoleConsumers">

<complexType>

<sequence>

<element name="UserRoleConsumer">

<complexType>

<sequence>

<element name="ConsumerID"...

this worked for me.

;WITH XMLNAMESPACES('http://www.crea.si/Schemas/2004/Document/ZBSxml/2.0' as cd, 'http://www.zbs-giz.si/Schemas/2006/ZBSxml/2.0' as a)

select x.Paket.value('a:StevilkaRacunaNalogodajalca[1]', 'varchar(34)') AS StevilkaRacunaNalogodajalca

--select x.Paket.query('.')

from @x.nodes('//cd:Document/cd:Data/cd:Content/cd:EmbeddedData/a:Paket/a:VodilniZapis') AS x(Paket)