My 2013 F150 periodically asks me if it should upload a “Vehicle health report”. I have always declined.
The idea of a vehicle repossessing itself does bother me. In the early 2000s I bought a vehicle from Mitsubishi, financed through them. At the time, setting up an automatic payment through them cost a monthly fee, so I set it up through my bank instead.
About 3 years later I got a call from them threatening repossession because I was three months behind on payments. I checked and every payment had been sent.
It turned out that Mitsubishi Motors East had transferred my loan to Mitsubishi Motors West, or something like that, and I had missed that. It was probably in one of the statements I never bothered opening.