Can not create a ticket with comments > html_body. The description field is required???

I'm using the API to create a ticket, everything works fine, except I can not get HTML to work. The description value always overrides the comment, and the description.

And when description is not included I get this error:

{
'error':'RecordInvalid',
'description':'Record validation errors',
'details':
{'base':[{
  'description':'Description: cannot be blank',
  'error':'BlankValue',
  'ticket_field_id':20690401,'ticket_field_type':'FieldDescription'}
]
}
}

I have comment included in the API call, but it does nothing (no error ,unless description is removed from the call)

"comment": {
      "html_body ": "<b>test</b>"
},

Which is weird, since the docs (https://developer.zendesk.com/api-reference/ticketing/tickets/tickets/#description-and-first-comment)  say to use comment vs description, but the validation seems to be making this impossible.

I checked in the admin, and Description is a standard field and I can not change the required property. What am I missing?