Srimad Bhagavatam Canto 03, Chapter 20, Text 12

SB 3.20.12

maitreya uvaca
daivena durvitarkyena
 parenanimisena ca
jata-ksobhad bhagavato
 mahan asid guna-trayat
Translation by His Divine Grace A. C. Bhaktivedanta Swami Srila Prabhupada: 
Maitreya said: When the equilibrium of the combination of the three modes of nature was agitated by the unseen activity of the living entity, by Maha-Visnu and by the force of time, the total material elements were produced.
Purport by His Divine Grace A. C. Bhaktivedanta Swami Srila Prabhupada: 
The cause of the material creation is described here very lucidly. The first cause is daiva, or the destiny of the conditioned soul. The material creation exists for the conditioned soul who wanted to become a false lord for sense enjoyment. One cannot trace out the history of when the conditioned soul first desired to lord it over material nature, but in Vedic literature we always find that the material creation is meant for the sense enjoyment of the conditioned soul. There is a nice verse which says that the sum and substance of the conditioned soul’s sense enjoyment is that as soon as he forgets his primary duty, to render service to the Lord, he creates an atmosphere of sense enjoyment, which is called maya; that is the cause of material creation.
Another word used here is durvitarkyena. No one can argue about when and how the conditioned soul became desirous of sense enjoyment, but the cause is there. Material nature is an atmosphere meant only for the sense enjoyment of the conditioned soul, and it is created by the Personality of Godhead. It is mentioned here that in the beginning of the creation the material nature, or prakrti, is agitated by the Personality of Godhead, Visnu. There are three Visnus mentioned. One is Maha-Visnu, another is Garbhodakasayi Visnu, and the third is Ksirodakasayi Visnu. The First Canto of Srimad-Bhagavatam discusses all these three Visnus, and here also it is confirmed that Visnu is the cause of creation. From Bhagavad-gita also we learn that prakrti begins to work and is still working under Krsna’s, or Visnu’s, glance of superintendence, but the Supreme Personality of Godhead is unchangeable. One should not mistakenly think that because the creation emanates from the Supreme Personality of Godhead, He has therefore transformed into this material cosmic manifestation. He exists in His personal form always, but the cosmic manifestation takes place by His inconceivable potency. The workings of that energy are difficult to comprehend, but it is understood from Vedic literature that the conditioned soul creates his own destiny and is offered a particular body by the laws of nature under the superintendence of the Supreme Personality of Godhead, who always accompanies him as Paramatma.
Srimad Bhagavatam Canto 03, Chapter 20, Text 11
Srimad Bhagavatam Canto 03, Chapter 20, Text 13