I don't have bipolar or BPD, but I do have schizoaffective disorder, and while I can't diagnose you, it sounds like you might be experiencing things that seem consistent with psychosis of some sort. My suggestion is you talk to your doctor and be completely honest. The only way they can give you a correct diagnosis is if you be 100% honest with them.

Also, the difference between schizoaffective and bipolar with psychotic features is that someone with bipolar only experiences psychosis during a mood episode, whereas someone with schizoaffective experiences psychosis outside of a mood episode.