I don't know if you have tried assets. I had a similar use case where I wanted to fetch a .env file.
Just try to refer it in related .js file using path.join(), see Detecting assets in source code

I'm creating a account generator and I want to make it exe pkg, but the problem is that my code takes the accounts from a accounts.txt file so when I make it exe it will not find the txt file, there is any solutions?

Let's assume your entry script app.js needs to load accounts.txt, rather than doing
const filePath = "accounts.txt";
do

const path = require("path");
const filePath = path.join(process.cwd(), "/accounts.txt");

Assuming accountx.txt is in the root folder