Pas Akum is like a personal bread which would be assur. Kosher certified bread non pas-yisroel bread would be pas palter.
Hello99, you are incorrect by saying that the “cholov stamm” in the USA is like cholov yisroel because is is not. There is no doubt one is better off consuming cholov yisroel milk products. There were specific reasons given by Reb Moshe ZTL as to why it would be muttar in places like the USA where is there is govt control over milk being cow’s milk however if you looked at the tshuva you will see that if one can use cholov yisroel, they should. (I personally am not makpid on c”y for reasons i hope not to have to go into here. )
I should also mention that I have a dear friend who works in kashrus and he recently told me that within 6-9 months there will be a new brand of c’y on the market which will be much cheaper with higher quality than the established brands.