Preheat the oven to 450°F (240°C). Line a baking sheet with parchment paper or a silicone mat.
Mix the milk and vinegar in a measuring cup to make the buttermilk and set aside. If you have store-bought buttermilk, use it instead of the milk and vinegar mixture.
Whisk together the flour, baking powder, baking soda, and salt in a large bowl.
Add the cold butter cubes to the flour mixture and combine them with flour with a pastry cutter, two forks, or your clean fingers until the pea-sized crumbs form.
Pour in the buttermilk and stir until just combined. The dough will be slightly sticky and wet, with the butter pieces remaining visible.
Using a cookie scoop or ¼-cup measuring cup, scoop the batter onto the prepared baking sheet, spacing evenly.
Brush the top with cream or milk right before baking. However, this step is optional.
Bake for 12 to 14 minutes, until the tops are golden.
Remove from the oven and allow them to cool on the baking sheet. Brush the tops with melted butter, if you prefer, and serve them warm.