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HOLD UP! HOW MUCH DOES SWIZZ BEATZ OWE IN TAXES?

"You ain't getting none from me or my bank" ... Swizz Beatz rapped it and now he's living it -- this according to the State of New York who says the mega-hip hop producer is behind on his taxes.

The Empire State recently filed the lien against Beatz -- real name Kasseem Dean -- for unpaid taxes in the year 2010 ... claiming he still owes a cool $98,246.18.

But that's not all ... Beatz -- who is married to Alicia Keys and has produced for every major name in the biz, including Chris Brown, Dr. Dre, DMX, and Kanye West -- also has federal tax liens filed against him ... to the tune of $2.6 MILLION.

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