Sounds like anxiety. Eliminate stimulants from your diet (or drop them to a low dosage, at least) and make sure you're not taking vitamin C before you go to bed. Also, some sleep aids actually cause people to have vivid dreams (Valerian, benzodiazapenes, and anti-histamines all do this to me). Another possibility is high cortisol or norepinephrine, I would think. Are you running enough AI?
I did a cycle with no estrogen control and I about went crazy. I was also on opiates, so pair that up with withdrawal and you get auditory hallucinations. I used to lay in bed wide-eyed, shaking for hours from that shit. Just my two cents, hope you get better