CDATA or other ways to strip characters in transformation to prevent breaking SOAP adapter

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I have an integration that calls a SOAP service.  The SOAP service was very poorly designed.  There is a comments section and certain characters break the call (a single double quote (as in two double quotes work, but one breaks it), a single single quote, a percent sign, greater than sign, less than sign, etc).  I'm have used fn:replace in the past but I'm wondering if CDATA would work here, and if so how I could implement it?  Basically since I don't know the full set of characters that break it, I'm wondering if there is any way to turn