I have an apple tree in the back yard that is about 10yrs old. The trunk of the tree, its bark is peeling and when it produces apples, it has black spots on them and leaves curl. any advice would be helpful.

Peeling bark may be due to the Apple Borer: http://horticulture.oregonstat... Do the curling leaves have any sticky like substance? If so, the culprit may be from aphids and the black spots on the apples may be from a fungus. http://extension.psu.edu/plant...

The damage to the fruit in the top picture looks like a pest has bored its way in. Have you cut open the fruit to look? If there are tunnels but nothing there it may have finished feeding and left. Coddling moth damage looks similar, see these pictures:

https://www.google.ca/search?q...

The white speckles on the leaf look like leafhopper damage, compare with:

https://www.google.ca/search?q...

Can you post a picture of the peeling bark?