You can stop your iPhone from automatically creating "Memories" by disabling the "Show Featured Content" setting in your Photos settings.
Here's a detailed breakdown of how to do it:
Steps to Disable "Memories" on Your iPhone:
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Open the Settings app: Locate and tap the "Settings" icon on your iPhone's home screen.
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Scroll down and tap "Photos": Find the "Photos" option within the Settings menu and select it.
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Turn off "Show Featured Content": Within the Photos settings, locate the "Show Featured Content" option. Toggle the switch to the "off" position (so it's grey instead of green). This will prevent your iPhone from creating Memories, Featured Photos, and Suggested Sharing.
By turning off "Show Featured Content," you disable the automated curation of your photos into Memories. This means your iPhone will no longer group photos and videos into themed collections.