Here is what I think happened if you care
I hard reset. Used pim back up to restore contacts, set settings and left the suggest icon checked instead of unchecked. used pim back up again this time to back up contacts and custom. I had to do another hard restart after deleted a wrong folder and not being able to retreave. I think the pim backup custom back up I did is confusing the phone to make it suggest words even when turned off.
Thanks for the reg key