Preheat oven to 350 degrees F.
Combine all cake ingredients and mix with a mixer until combined. Do not over mix, but make sure all dry ingredients and wet ingredients are well-combined.
Spoon approximately 1/3 of batter into a Bundt cake pan that has been sprayed generously with non-stick cooking spray, preferably a spray that includes flour*.
Spoon cream cheese filling (directions below) onto cake batter. Spread remaining cake batter over cream cheese filling.
Bake for 50-55 minutes or until toothpick inserted into cake comes out clean. Trust your senses (what you see, what you touch) more than the clock, as all ovens fluctuate somewhat, and ambient conditions can vary from home to home. Remove from oven and allow to cool on a wire rack for 20 minutes, place a large plate or platter over the opening in the bundt pan, hold the two together, then flip over to invert the pan and release the cake onto the plate. Top with powdered sugar or chocolate glaze if desired.