The bank has a lawyer, they were hoping for a default judgement because who can afford to fight the bank. The choice is fight it yourself or declare bankruptcy.
As you already know, AI companies trained on every single document they can find. Those include legal documents. The legal system is structured where you have Federal Laws, State Laws, Federal & State Regulations and Court Precedent. Because of this structure it is not difficult for a LLM to figure out.
Then, it costs you nothing but time.