Update , Thanks for the advice 740gle, stopped in at German auto repair shop, 2nd opinion, which was next to my route, had them listen to the car at idle
You are on point with DMF, They gave me a tip record the sound [ put my phone under the car on video record, show your car as you go under ] and send it in to Volkswagen. Guess who has transmission warranty repair, They even said my trans has a additional sound, they are going to look into, besides the rattling , their is a loud knock or clunk every few seconds in between the rattling. Which could be the why the car downshifts for no reason and shutters at low speeds in drive when you take off, something to do with clutches or plates the Volkswagen lead tech mentioned.
Now to add insult to injury , after all the repairs my TDI engine, The car is now running hot, used to never leave 190 degrees , now it gets hot in traffic, going up hills, driving freeways speeds goes up and down. They are hoping it is not a engine failure
Honestly, I asked why keep putting money into it , My service advisor was going to submit a vehicle exchange request, There are hundreds of them sitting a lot here California, But they stopped refurbishing them.