How to turn phone speaking what type in emails and text. Voice over is already turned off

Hi YaYaJacks

welcome to he Apple (user-to-user) Community!

Re: " ... stop the phone from reading everything I type!"

Seems you may need to turn off Typing feedback:

Go to Settings > Accessibility > Spoken Content

Here you can turn any of the various spoken content settings on or off as you wish:

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More info. on turning features on (or off) as needed:

See: Hear iPhone speak the screen, selected text, and typing feedback - Apple Support

All the best :-)