If that file has been sitting on your desktop for months, assume it might have been scanned. Change your passwords for your email, bank, and social media. If you DIDN'T create it: This is a sign of a malware infection.
As we move toward a passwordless future—biometrics, passkeys, and hardware tokens—the Url.Login.Password.txt file will eventually become a relic, like a floppy disk. Url.Login.Password.txt