Create file path and filename in JSON and send it to Discord

I have been working on a function which I call report. What it does is that whenever I call the report function. I can give it a payload of my dict with some data and as well as reason where I can have custom message or the exception errors of whatever can happened.

For now I have created something simple where I create names for file_path and filename. I check if there is a path for that name already and if not then we create. We create a JSON file with the report data to my local PC and then I send it to discord. Both the JSON file and a small text that describes that there has been and error and to check it out ASAP.

My question here is pretty simple to see if there is anything I can actually improve my code somehow. Make it less code or a better report, I take whatever possible!

#!/usr/bin/python3
# -*- coding: utf-8 -*-
import json
import os
import time
from datetime import datetime
from typing import List

from discord_webhook import DiscordEmbed, DiscordWebhook


# payload example payload = {"store": "burger-king"}
# reason = Custom message or exception err

def report(payload=None, reason=None):

    webhook = DiscordWebhook(
        url="https://discord....."
    )

    embed = DiscordEmbed(title="An error has occurred", color=16711680)

    # -------------------------------------------------------------------------
    # Create file path and filename
    # -------------------------------------------------------------------------

    file_path = f'./error/{payload["store"] if payload else "Other"}'
    filename = f'{datetime.strftime(datetime.now(), "%Y-%m-%d_%H-%M-%S-%f")}.json'

    # Check if the path already exists
    if not os.path.exists(file_path):
        os.makedirs(file_path)

    # Write to a JSON file
    with open(f"{file_path}/{filename}", "w", encoding="utf-8") as f:
        f.write(json.dumps(
            {
                "payload": payload if payload else None,
                "reason": str(reason)
            },
            indent=4,
            ensure_ascii=False
        ))
    
    # -------------------------------------------------------------------------
    # Filename embed
    # -------------------------------------------------------------------------
    embed.add_embed_field(name="Filename", value=filename, inline=False)

    # -------------------------------------------------------------------------
    # Send files to discord
    # -------------------------------------------------------------------------
    with open(f"{file_path}/{filename}", "rb") as f:
        webhook.add_file(file=f.read(), filename=f"{filename}")

    # -------------------------------------------------------------------------
    # Footer timestamp
    # -------------------------------------------------------------------------
    embed.set_footer(text=f'AutoSnkr | {datetime.now().strftime("%Y-%m-%d [%H:%M:%S.%f")[:-3]}]')

    webhook.add_embed(embed)

    # -------------------------------------------------------------------------
    # Send to discord with exceptions
    # -------------------------------------------------------------------------
    while True:

        response = webhook.execute()
        
        # Workaround bug from discord_webhook pypi
        if isinstance(response, List):
            assert (len(response) == 1)
            response = response[0]
            
        # Successful requests
        if response.ok:
            return
        
        # Rate limit. Wait until the limitation is gone
        elif response.status_code == 429:
            sleep_time = int(response.headers["retry-after"]) / 1000
            time.sleep(sleep_time)

        else:
            print("Big error here! This text needs to be replaced later on")
            return