I think you have a problem there. I cannot think of any way to make a generic cursor. The fields need to be defined at compile time. You might get away with a rather long argument list(tbl_name, field1,field2 fieldn....),and do something like
CURSOR generic IS
tbl_name.field1%TYPE
but even that would not likely work well.
A thought though, is to use the HTML package, and skip the tags to make the csv file, then use UTL_FILE to modify the file.