Preheat your oven to 350°F (175°C).

Grease a 9x13-inch baking dish with cooking spray or line it with parchment paper.

In a large mixing bowl, combine your cake mix, eggs, oil, and water. Blend until smooth and well combined, about 2-3 minutes. Pour half of this mixture into the prepared baking dish.

In a separate bowl, mix softened cream cheese with pecans, coconut flakes, and chocolate chips until evenly combined. Spoon this mixture over the first layer of batter.

Pour the remaining cake batter over the cream cheese filling, ensuring to cover it completely.

Bake for 30-35 minutes, until edges are golden brown and a toothpick inserted into the center comes out clean or with a few moist crumbs.

Allow the cake to cool in the pan for about 10-15 minutes before slicing.