awk -F, 'BEGIN { OFS=","; comm=22}                        #Convert any "," in comments to ";"
             { for(i=comm+1; i<=NF; i++) {$comm=$comm";"$i}
               if (NF>comm) NF=comm; print $0 }' |
    awk -F, 'BEGIN { OFS = ","
                     # Read in Known Fail List
                     getline < "'"$failListFile"'"; getline < "'"$failListFile"'"; getline < "'"$failListFile"'" # Header Rows
                     while (getline < "'"$failListFile"'") { split( $0, a, ","); i=a[1]a[2]a[3]; gsub ( " ", "", i ); failMessage[i]=a[6]
                     failStart[i]=a[4]? a[4] : "0000 01 01 00 00 00"
                     failEnd[i]=a[5]? a[5] : "9999 12 31 23 59 59" }
                     close("'"$failListFile"'")}
             !($7 == "" || $9 == "" || $10 == "" || $11 == "" || $12 == "") {
                split($7,a," "); split(a[1],d,"/"); split (a[2],t,":")
                month = sprintf("%02d",d[1]); day = sprintf("%02d",d[2])    #All 2 digits
                year = 2000 + d[3] % 100                                    #Force 4 digit year
                hour = sprintf("%02d",t[1]); min = sprintf("%02d",t[2])
                date = month"/"day"/"year; time = hour":"min
                $7 = date" "time
                if ( $19 == "Y" ) $19 = "V";        #Allowing for older Raw Data Files and Archives
                else if ( $19 == "N" ) $19 = "I";   #to use the older YNE vs VIE Valid column.
                else if ( $19 =="" ) $19 = "I"      #if valid column manually erased, treat as Invalid
           #     $22 = $22 ~ /^\".*\"$/ ? $22 : "\""$22"\"" # put quotes around comment if Excel did not already
                gsub(/^\"/,"",$22); gsub(/\"$/,"",$22); gsub (/\"\"/,"\x27\x27", $22); $22 = "\""$22"\"" #remove wrapping quotes, Change "" (.csv representation of ") to '', rewrap in quotes
                i=$1$6$8; gsub ( " ", "", i )
                if ( $18 == "FAIL" && i in failMessage ) { now = mktime(year" "month" "day" "hour" "min" 00")
                    if ( now >= mktime(failStart[i]) && now <= mktime(failEnd[i]) ) {
                        if ($22 == "\"\"") gsub ( "\"$", "Known Fail: "failMessage[i]"\"", $22 )
                        else gsub ( "\"$", "|Known Fail: "failMessage[i]"\"", $22 ) } }
                print $0
             }'

Fake data: comment with "quotes"
Fake data, comment, with, commas,,,

"Fake data: comment with ""quotes"""
"Fake data, comment, with, commas,,,"

"Fake data: comment with ''quotes''"
"Fake data, comment, with, commas,,,"