What is PayJoy ? A ****?

I'm writing to seek help regarding PayJoy. I keep getting calls to settle an account, but when I try to call back, I can't reach anyone. I'm sure I don't have any accounts. Also, I'm flooded with emails like the one below. Can you assist me with this?

Good day TSITSA

RE: PayJoy

NRB Risk Solutions Ref nr: ***

Your outstanding account is currently under our management and we have no record of any repayment arrangements.

NRB is here to assist you in resolving your outstanding debt, and restoring your credit profile.

Please contact us urgently for a special settlement, or alternatively, to set-up a monthly payment arrangement.

To make online payments please visit https://risk.nrb.co.za/pay-now

EasyPay Reference ***1 6

Kind Regards

Angelique Kelmovitz ***