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    <element id="CDIF_IssuanceOfCommonStockRelatedToBridgeLoansShares" name="IssuanceOfCommonStockRelatedToBridgeLoansShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_CommonStockCancelledForLegalSettlement" name="CommonStockCancelledForLegalSettlement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_CommonStockCancelledForLegalSettlementShares" name="CommonStockCancelledForLegalSettlementShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_CancellationOfCommonStockForAwardForfeiture" name="CancellationOfCommonStockForAwardForfeiture" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_CancellationOfCommonStockForAwardForfeitureShares" name="CancellationOfCommonStockForAwardForfeitureShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ConversionOfDeferredCompensationToCommonStock" name="ConversionOfDeferredCompensationToCommonStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ConversionOfDeferredCompensationToCommonStockShares" name="ConversionOfDeferredCompensationToCommonStockShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ReclassificationOfSeriesNPreferredStockFromMezzanineEquityToPermanentEquity" name="ReclassificationOfSeriesNPreferredStockFromMezzanineEquityToPermanentEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ReclassificationOfSeriesNPreferredStockFromMezzanineEquityToPermanentEquityShares" name="ReclassificationOfSeriesNPreferredStockFromMezzanineEquityToPermanentEquityShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_IssuanceOfSeriesNPreferredStock" name="IssuanceOfSeriesNPreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_IssuanceOfSeriesNPreferredStockShares" name="IssuanceOfSeriesNPreferredStockShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_IssuanceOfSeriesYPreferredStock" name="IssuanceOfSeriesYPreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_IssuanceOfSeriesYPreferredStockShares" name="IssuanceOfSeriesYPreferredStockShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_IssuanceOfBCAndEPreferredStockInExchangeForSeriesIPreferredStock" name="IssuanceOfBCAndEPreferredStockInExchangeForSeriesIPreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_IssuanceOfBCAndEPreferredStockInExchangeForSeriesIPreferredStockShares" name="IssuanceOfBCAndEPreferredStockInExchangeForSeriesIPreferredStockShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_CommonStockIssuedUponConversionOfNotesPayable" name="CommonStockIssuedUponConversionOfNotesPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_DividendsOnPreferredStockIncludingAccruedDividendsOnPreferredStock" name="DividendsOnPreferredStockIncludingAccruedDividendsOnPreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_CommonStockIssuedUponConversionOfAccruedSalaries" name="CommonStockIssuedUponConversionOfAccruedSalaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_PromissoryNotesPayableIssuedInSettlementOfAccruedSalaries" name="PromissoryNotesPayableIssuedInSettlementOfAccruedSalaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_DiscountOnConvertibleNotesPayable" name="DiscountOnConvertibleNotesPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_RecognitionOfDerivativeLiabilityUponIssuanceOfConvertibleNote" name="RecognitionOfDerivativeLiabilityUponIssuanceOfConvertibleNote" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_RecognitionOfDerivativeLiabilityRelatedToCommitmentShares" name="RecognitionOfDerivativeLiabilityRelatedToCommitmentShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ChangeInFairValueOfDerivativeLiability" name="ChangeInFairValueOfDerivativeLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_DisclosureWarrantsAbstract" name="DisclosureWarrantsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_WarrantsDisclosureTextBlock" name="WarrantsDisclosureTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ReverseStockSplitPolicyTextBlock" name="ReverseStockSplitPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ServiceFeesNetPIPPolicyTextBlock" name="ServiceFeesNetPIPPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_SettlementRatesPolicyTextBlock" name="SettlementRatesPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ContractFeesNonPIPPolicyTextBlock" name="ContractFeesNonPIPPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_DistinguishingLiabilitiesFromEquityPolicyTextBlock" name="DistinguishingLiabilitiesFromEquityPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_PropertyPlantAndEquipmentUsefulLifeTextBlock" name="PropertyPlantAndEquipmentUsefulLifeTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ScheduleOfMaturitiesOfConvertibleDebtTableTextBlock" name="ScheduleOfMaturitiesOfConvertibleDebtTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_PropertyPlantAndEquipmentEstimatedUsefulLives1" name="PropertyPlantAndEquipmentEstimatedUsefulLives1" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_AccruedCreditCards" name="AccruedCreditCards" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_AccruedLiabilityForCollectionsOfPreviouslyFactoredReceivables" name="AccruedLiabilityForCollectionsOfPreviouslyFactoredReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_AccruedDividend" name="AccruedDividend" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_AccruedPublicCompanyFees" name="AccruedPublicCompanyFees" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_AccruedExpenseMedicalProcedures" name="AccruedExpenseMedicalProcedures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_MedicalEquipment" name="MedicalEquipment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_NotesPayableUnrelatedParties" name="NotesPayableUnrelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_NotesPayableRelatedParties" name="NotesPayableRelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFour" name="LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ConvertibleNotesPayableGross" name="ConvertibleNotesPayableGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_StockIssuedForDebtShares" name="StockIssuedForDebtShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_DebtConversionConvertedInterestAmount1" name="DebtConversionConvertedInterestAmount1" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_GrossProceedsFromConvertibleDebt" name="GrossProceedsFromConvertibleDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_CumulativeDividendsPayment" name="CumulativeDividendsPayment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_AccruedDividends" name="AccruedDividends" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ShareBasedCompensationReversal" name="ShareBasedCompensationReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1Exercisable" name="ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1Exercisable" nillable="true" xbrli:periodType="instant" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_WarrantsIssuedShares" name="WarrantsIssuedShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_DisclosureTable" name="DisclosureTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="CDIF_DisclosureLineitem" name="DisclosureLineitem" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_TotalHealthcare" name="TotalHealthcare" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_PromissoryNotesMember" name="PromissoryNotesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_MatthewTShaferMember" name="MatthewTShaferMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ChairmanMember" name="ChairmanMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_ConvertiblePromissoryNoteMember" name="ConvertiblePromissoryNoteMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_PurchaseAgreementsMember" name="PurchaseAgreementsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_PurchaseAgreements1Member" name="PurchaseAgreements1Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="CDIF_PurchaseAgreements2Member" name="PurchaseAgreements2Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
</schema>
