You are attempting to request a data clone in ServiceNow. Suddenly, the authentication of your target instance fails. The platform throws a frustrating, generic error:

"Invalid username or password"

You check the target instance. The credentials are correct. You review ServiceNow Knowledge Article KB0756646 , which points to Multi-Factor Authentication (MFA). You check the Enable Multifactor Authentication column on the user record, and it is already set to false.