I'm not sure I experience exactly what you describe - I'd describe what I hear as a radio just barely audible in the background. I only experience it when I'm about to fall asleep or supposed to be getting up.
Ten or so years ago after a really long day of school I flopped down in bed and noticed it and I made a conscious decision to listen rather than move. Ever since it happens a couple times a month now. I've never found it concerning and it's maybe almost comforting, like, "oh, that thing is back."
It's exactly like a soft radio where you're only catching bits and pieces of what's being said. Sometimes I recognize unusual words I heard from that day, the voices are distinct and can be female or male. I can't decide if I can influence what's being said or not. I do think the harder I pay attention the more coherent things start to sound.
My feeling is that bits of what I've heard throughout the day, or maybe longer, are getting played back to me. But I've never recognized any of the voices of heard anything said that I could identify as verbatim from the day.