Alright, here's a real reply from me.

Destiny's Child - Bills, Bills, Bills

I have had this song in my head for a couple of weeks now. I just couldn't place it because all I could remember was the melody of the chorus. I knew it was a widely popular song by a super famous female singer/group from the turn of the century. That led me to Destiny's Child and eventually the song (which was obvious once I found it).