[SOLVED] Getting Error "Encountered problem accessing the folder /" on fresh and old install

This is the correct nginx file format with SSL and it works with OwnCloud version 10
Sharing so that anyone else needs can use it

server {
     listen 80;
     if ($host = domain_name.tld) {
        return 301 https://$host$request_uri:443;
     } 
	server_name domain_name.tld;
}

server {
    listen 443 ssl;
    
    server_name domain_name.tld;

    ssl_certificate /etc/ssl/certs/domain_name.tld_ssl_certificate.cer;
    ssl_certificate_key /etc/ssl/certs/domain_name.tld_private_key.key;

    # Add headers to serve security related headers
    add_header X-Content-Type-Options nosniff;
    add_header X-XSS-Protection "1; mode=block";
    add_header X-Robots-Tag none;
    add_header X-Download-Options noopen;
    add_header X-Permitted-Cross-Domain-Policies none;
    add_header Referrer-Policy no-referrer;

    #I found this header is needed on Ubuntu, but not on Arch Linux. 
    add_header X-Frame-Options "SAMEORIGIN";

    # Path to the root of your installation
    root /var/www/html/owncloud;

    access_log /var/log/nginx/owncloud.access;
    error_log /var/log/nginx/owncloud.error;

    location = /robots.txt {
        allow all;
        log_not_found off;
        access_log off;
    }

    # The following 2 rules are only needed for the user_webfinger app.
    # Uncomment it if you're planning to use this app.
    #rewrite ^/.well-known/host-meta /public.php?service=host-meta last;
    #rewrite ^/.well-known/host-meta.json /public.php?service=host-meta-json
    # last;

    location = /.well-known/carddav {
        return 301 $scheme://$host/remote.php/dav;
    }
    location = /.well-known/caldav {
       return 301 $scheme://$host/remote.php/dav;
    }

    location ~ /.well-known/acme-challenge {
      allow all;
    }

    # set max upload size
    client_max_body_size 512M;
    fastcgi_buffers 64 4K;

    # Disable gzip to avoid the removal of the ETag header
    gzip off;

    # Uncomment if your server is build with the ngx_pagespeed module
    # This module is currently not supported.
    #pagespeed off;

    error_page 403 /core/templates/403.php;
    error_page 404 /core/templates/404.php;

    location / {
       rewrite ^ /index.php;
    }

    location ~ ^/(?:build|tests|config|lib|3rdparty|templates|data)/ {
       deny all;
    }
    location ~ ^/(?:\.|autotest|occ|issue|indie|db_|console) {
       deny all;
     }

    location ~ ^/(?:index|remote|public|cron|core/ajax/update|status|ocs/v[12]|updater/.+|ocs-provider/.+|core/templates/40[34])\.php(?:$|/) {
       include fastcgi_params;
       fastcgi_split_path_info ^(.+\.php)(/.*)$;
       try_files $fastcgi_script_name =404;
       fastcgi_param SCRIPT_FILENAME $document_root$fastcgi_script_name;
       fastcgi_param PATH_INFO $fastcgi_path_info;
       #Avoid sending the security headers twice
       fastcgi_param modHeadersAvailable true;
       fastcgi_param front_controller_active true;
       fastcgi_pass unix:/run/php/php7.4-fpm.sock;
       fastcgi_intercept_errors on;
       fastcgi_request_buffering off;
    }

    location ~ ^/(?:updater|ocs-provider)(?:$|/) {
       try_files $uri/ =404;
       index index.php;
    }

    # Adding the cache control header for js and css files
    # Make sure it is BELOW the PHP block
    location ~* \.(?:css|js)$ {
        try_files $uri /index.php$uri$is_args$args;
        add_header Cache-Control "public, max-age=7200";
        # Add headers to serve security related headers (It is intended to
        # have those duplicated to the ones above)
        add_header X-Content-Type-Options nosniff;
        add_header X-XSS-Protection "1; mode=block";
        add_header X-Robots-Tag none;
        add_header X-Download-Options noopen;
        add_header X-Permitted-Cross-Domain-Policies none;
        add_header Referrer-Policy no-referrer;
        # Optional: Don't log access to assets
        access_log off;
   }

   location ~* \.(?:svg|gif|png|html|ttf|woff|ico|jpg|jpeg)$ {
        try_files $uri /index.php$uri$is_args$args;
        # Optional: Don't log access to other assets
        access_log off;
   }
}
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