Scenario:

Have an inground pool. Have a well with a submersible pump. Both are wired
to two 20amp breakers so that they can be turned off close to the pool -
underground wiring.

All was fine until ~ 1 month ago. Now, when the circuit for the well pump
is turn ON, and you take a dip in the pool, you will get a electrical
tingling sensation. Turn the breaker OFF and there is no charge.

Could there be a break in the insulation of the underground romex between
the pump and the breaker which caused the entire ground to "charge" and
therefore "charge" the pool water?

It's OK as long as the breaker is tuned off - but to me, it looks like I
will be digging an 18" trnech the 20 feet or so to the well with a new line.