Mix yogurt, sweetened condensed milk, and crema in a bowl. Add vanilla extract and stir until well incorporated.
Divide cantaloupe, papaya, apple, and banana among 4 individual bowls, arranging them in separate sections. Place strawberries in the center of each bowl. Top each bowl with 1/8 cup each granola, raisins, and coconut.
Drizzle 1/4 cup of the crema mixture over each fruit bowl.
Substitute creme fraiche for the Mexican crema if preferred.
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