"The only DISTRIBUTION I have taken from it was in 2024, for $9,975."
TurboTax (TT) is determining how much of your $9975 2024 distribution is taxable. Since this is your first distribution, ever, the answer to the question ("What were my net regular contributions prior to 2024 that remain in my Roth IRA?") is $13,200.
In future years, the next time you are asked that question, the answer will be $3225 (13200 - 9975 = 3225). None of your 2024 distribution will be taxable since it consists 100% of prior contributions; no earnings were removed form the Roth account.
