Backup code on toast wallet, XRP

Hello please, I have my pass phrase and recovery phrase, but I didn't back up my wallet, after a factory reset I can't have back access into the wallet on my phone.  Such a novice, please can anyone help, I promise to give out a considerate amount of coins in return. I know it can never be enough but for the sake of humanity I'm begging please someone help me, anyone. Thank you 