It tells me that the content of bank is well formed but not validated:
Error at line 26, column 8: element 'account' is not allowed for content model 'account,customer,depositor)*'
I know that the DTD is interpreted by me and could be wrong, but in the XML the info is fine.
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE bank [
<!ELEMENT bank (account,customer,depositor)*>
<!ELEMENT account (#PCDATA)>
<!ATTLIST account account-number ID #REQUIRED>
<!ATTLIST account branch-name (Downtown|Perryridge|Brighton) #REQUIRED>
<!ATTLIST account balance NMTOKEN #REQUIRED>
<!ELEMENT customer (#PCDATA)>
<!ATTLIST customer customer-name ID #REQUIRED>
<!ATTLIST customer customer-street CDATA #REQUIRED>
<!ATTLIST customer customer-city CDATA #REQUIRED>
<!ELEMENT depositor (#PCDATA)>
<!ATTLIST depositor account-number IDREF #REQUIRED>
<!ATTLIST depositor customer-name IDREF #REQUIRED>
] >
<bank>
<account account-number="A-101" branch-name="Downtown" balance="500"></account>
<account account-number="A-102" branch-name="Perryridge" balance="400"></account>
<account account-number="A-201" branch-name="Brighton" balance="900"></account>
<customer customer-name="Johnson" customer-street="Alma" customer-city="Palo Alto"></customer>
<customer customer-name="Hayes" customer-street="Main" customer-city="Harrison"></customer>
<depositor account-number="A-101" customer-name="Johnson"></depositor>
<depositor account-number="A-201" customer-name="Johnson"></depositor>
<depositor account-number="A-102" customer-name="Hayes"></depositor>
</bank>
I have passed the document through several online validators and none find the error that you refer , indicating that the XML is valid.
To go to another level of testing I have converted the XML to JSON and the result is a correct JSON: