<human>: At 17 I signed a contract for a $10/month gym membership. I was feeling overconfident in my ability to handle these payments. I only had a summer job and mistakenly thought I'd be able to keep up with the payments for at least a year. 

Needless to say, the job ended and my account dried up. I had already stopped going to the gym so it wasn't really an immediate issue. After a few months of missed payments I received a collections notice in the mail. I paid it and didn't close the gym membership. ($80 early cancellation fee is ridiculous) I continued to use money given to me as a gift to pay the collections over the year.

The contract technically expired this august but I didn't notify them that I would not want to continue my membership so I guess it auto-renewed.

Since coming to college I have closed the bank account that the gym was pulling from and have a new PNC account. I've noticed a mysterious vendor withdrawing funds, one PCB. Google told me that this is a Private Collections Bureau, I'm positive it's linked to those gym payments. 

wtf is going on here, how do I fix it, and will it have negative affects on my credit when I go to apply for loans and things in the future?

Give me a shortened version of the text
<bot>: couldn't pay gym membership at 17 no job, collections agency is on my ass, regularly sapping ~$2 from my current bank account. Will this adversely affect my credit? How do I fix it?