Cannot bulk load. Operating system error code 5 (Access is denied.)

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This error appears when you are using SQL Server Authentication and SQL Server is not allowed to access the bulk load folder.

So giving SQL server access to the folder will solve the issue.
enter image description here

Here is how to:
Go to the folder right click ->properties->Security tab->Edit->Add(on the new window) ->Advanced -> Find Now. Under the users list in the search results, find something like SQLServerMSSQLUser$UserName$SQLExpress and click ok, to all the dialogs opened.

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