I strongly urge you to get her checked out for hearing loss. I doubt that not sleeping is related to that but not talking certainly related to hearing loss. I would start with her pediatrician to rule out hearing loss. If she doesn't have difficulty hearing then you can have the school district evaluate her for conditions causing delayed speech. The service is mandated by federal law and is free.
You can also have her evaluated for developmental disabilities, delayed speech being just one, by a developmental pediatrician. Frequently, a child with delayed speech also has other delays, most often ones related to sensory issues. This could be the cause for the scratching and not sleeping well.
It is common for people including babies and toddlers to wake up during the night. If she drinks a few ounces and goes back to sleep, she mostly likely does not have a sleep issue. Both of my grandchildren did that and doing so was not of concern during their evaluations.
If you don't have insurance you ;can go directly to the school district. In our state the office that does the evaluation is named (county) Intermediate Education Service District. They will also test for hearing loss as well as developmental issues that can affect success in school. They test newborn babies as well as school age children. The Federal government provides more money for treatment when the child is 2 and younger. Therefore I'd get started right away.
It's possible that all that his happening with her is benign meaning that she's just a late developer with speech. But it's best to find out while she's young so that if there is a need earlier correction is best.