Bonified,
I happen to know that this happens to a lot of people.
Some people think it comes from Spirit. But I believe it is just an echo of the mind. It's something that happens if you have been listening to a crowd of people talking a lot like at a family gathering or someone nagging you. The conversations seem to replay in the mind while you are trying to sleep. The other stuff is quite simply your interpretation of what might be going on.
Stay calm it is nothing to be worried about.
Try this site for answers to that question.
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