Hi Crappleridesagain,
We recommend you try the steps in the link below in reverse order to learn how to turn on predictive text.
Use predictive text on iPhone - Apple Support
To perform the recommended troubleshooting steps via the link above, complete the steps in the section titled "Turn off predictive text."
1) While editing text, touch and hold
or
.
2) Tap Keyboard Settings, then turn off Predictive.
When you turn off predictive text, iPhone may still try to suggest corrections for misspelled words. To accept a correction, enter a space or punctuation, or tap Return. To reject a correction, tap the “x.” If you reject the same suggestion a few times, iPhone stops suggesting it.
We recommend the steps above because they will show you how to use predictive text on your iPhone.
Please let us know the outcome after giving the above steps a try.
Thanks for using the Apple Support Communities.
Cheers!