ERROR: ORA-29283

My goal is to convert/create a txt file the records created to my table

Normally what I do is run report, generate to file then delimited then save to a txt file, but to cut the process I want to immediately create a textfile.

I use UTL_FILE but I encounter this error ORA-29283 everytime. Below is my whole script

PROCEDURE create_text_file IS

cursor c is

select  b.agent_cd,

upper(ACCT_NAME) BENE_NAME,   

upper(BANK_NAME) BENE_BANK,     

bank_acct,

nvl(MUNICIPALITY,'NA') CITY_ADDR,comm_paid,

'Commission Disbursement' OTHER_DETAILS, 'OTHERS' Tran_REASON

from ac_commpay_rqst a, ac_commpay_rqst_dtls b, m_agents_banks m1