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See https://community.adobe.com/t5/photoshop/type-tool-text-edit-bug-help/td-p/11694795?page=1
Edit (Windows) or Photoshop (Mac) > Preferences > Type
Uncheck "Fill new type layers with placeholder text"
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The text should disappear when you start typing anyway.
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How to disable this in Photoshop for ipad all I see are answers for Windows and mac