When I was young and stupid, I had like 4 bank accounts that I racked up debt ranging from $20-$300 each account and ended up closing them all. Ever since then every bank I go to says I can't set up an account or get a loan or anything because checksystem or something has me flagged with 4 delinquent accounts for 4 different banks and tht I will need to settle my disputes with those banks before opening an account.

So for the past 3 years of my life I've just been using online banking services like Dave, Chime, and Moneylion(never again). I've repaired my god awful credit score over the past 2 years and finally have roughly a 630 score and have maintained a job for over a year. I want to go look at car loans to get a cheap, used car to get to and from work... CapitalOne keeps sending me emails to get pre-approved from a car loans.

I want to get a car loan. But I want to compare rates between CapitalOne and the local banks.

My question is, is there a service to find what all banks I owe money to so I can call them and get this debt paid off?

None of the banks have reported the debt to the credit agencies.