[jhynesrockmtn]

I would check with a CPA or and investment advisor. This is from the IRS website. I would have thought you earned over the max but you say you had no earned income.

Description of Amount in Box 4
This part of the form describes the items included in the amount shown in box 4. It lists the amount of benefit checks you returned to the SSA and any adjustments for other types of repayments. The amounts listed include all amounts repaid in 2022, no matter when the benefits were received. Only the repayments that apply to you will be shown. If you didn’t make any repayments, the word “none” will be shown.

Checks returned to the SSA. If any of your benefit checks were returned to the SSA, the total is shown here.
Deductions for work or other adjustments. If any amounts were withheld from your benefits because of work or to recover an overpayment of retirement, survivors, or disability benefits, the total will be shown here. This may also be shown as Deductions for work or other adjustments under Description of Amount in Box 3, earlier.
Other repayments. This is the amount you repaid to the SSA by direct remittance.
Benefits repaid to the SSA in 2022. The amount shown here is the sum of all your repayments. This total is the same as that shown in box 4.