Thanks for stopping by the Apple Support Communities, Wendy,
If we understand, you are experiencing unexpected automatic spelling corrections on your iPhone, even though Autocorrect and predictive text are disabled. You've come to the right place to get help!
In addition to automatically correcting your spelling as you type using Autocorrect, your iPhone will learn words you use frequently. This feature shines when you frequently use a proper name, but the process can also result in certain words with similar spellings, such as were and we're, being inadvertently changed to the other. You can stop this from occurring by clearing your keyboard dictionary under Settings > General > Reset > Reset Keyboard Dictionary.
For more information, check out Return iPhone settings to their defaults - Apple Support.
Best!