Php 请问我哪里会错&引用；处理请求时出错"；

我试着回应每一部分的回复，只有最后一部分给出了错误。。。我仍然无法检测出错误是什么。。。我很困惑

<?php // This initialises the AccessToken

    if(isset($_POST['submit'])){
    
    $cm = curl_init();
    curl_setopt($cm, CURLOPT_URL, "https://sandbox.monnify.com/api/v1/auth/login/");
    curl_setopt($cm, CURLOPT_RETURNTRANSFER, TRUE);
    curl_setopt($cm, CURLOPT_HEADER, FALSE);
    curl_setopt($cm, CURLOPT_POST, TRUE);
    curl_setopt($cm, CURLOPT_HTTPHEADER, array(
    "Content-Type: application/json",
    "Authorization: Basic TUtfVEVTVF9TQUY3SFI1RjNGOjRTWTZUTkw4Q0szVlBSU0JUSFRSRzJOOFhYRUdDNk5M"
    ));
    
    $response = curl_exec($cm);
    $set = json_decode($response, true);
    $uv = $set['responseBody'];
    $uf = $uv['accessToken'];   
    curl_close($cm);
    
    // This is for the marking up of responses
    
    $myheaders = array(
    "Authorization:" . "Bearer" . $uf,
    );
    
    $logged = wp_get_current_user();
    $account = "BizNG - " . $logged->user_login;
    $code = "4934121686";
    $currency = "NGN";
    $vurl = "https://sandbox.monnify.com/api/v1/bank-transfer/reserved-accounts";
    $auth_data = array(
    'accountName' => "BizNG" . $logged->user_login,
    'accountReference' => $logged->user_login,,
    'currencyCode' => 'NGN',
    'contractCode' => $code,
    'customerName' => "BizNG" . $logged->user_login,
    'customerEmail' => 'johnd@jd.33mail.com',
    );
    
    // This is for the reserved account display
    
    $cv = curl_init();
    curl_setopt($cv, CURLOPT_RETURNTRANSFER, TRUE);
    curl_setopt($cv, CURLOPT_HEADER, FALSE);
    curl_setopt($cv, CURLOPT_POST, TRUE);
    curl_setopt($cv, CURLOPT_POSTFIELDS, $auth_data); 
    curl_setopt($cv, CURLOPT_URL, $vurl);
    curl_setopt($cv, CURLOPT_HTTPHEADER, $myheaders);
    $reply = curl_exec($cv);
        echo $reply;
    curl_close($cv);
        var_dump($reply);
    
    }
    ?>
     <form method="post"><input type="submit" name="submit" value="submit"/> </form>

请问我哪里出错了？我还是不断地犯这个错误

“处理请求时出错，请稍后再试