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Debt collection is a critical negotiation task in the financial industry, with strong practical relevance and exceptional academic value as a behaviorally rich, high-stakes testbed for human-centered dialogue systems. While large language models (LLMs) have shown promise in dialogue and negotiation, effectively evaluating their performance in this complex scenarios remains a major challenge: existing benchmarks uniformly assume users to be static, rational agents with fixed preferences, failing to capture the rich behavioral heterogeneity inherent in real-world debt collection. To bridge this gap, we propose DebtBench, the first public persona-enriched debt collection benchmark, that highlights behavioral heterogeneity in negotiation. Moreover, we develop DebtGPT, a debt collection agent trained to jointly optimize financial recovery and interaction experience. Our experimental results, using 16 state-of-the-art LLMs, find that most existing models struggle in this complex but realistic scenarios, whereas DebtGPT outperforms all open-source baselines and achieves performance on par with GPT-4o. The code and data are available at https://github.com/yyuhhhh13/DebtNegotiation.

ACL 2026

Everyone is unique: Towards Behaviorally Heterogeneous Negotiation Dialogue Systems for Debt Collection

### Welcome to 2025 Annual Conference of the Nations of the Americas Chapter of the Association for Computational Linguistics

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NAACL 2025

Welcome to 2025 Annual Conference of the Nations of the Americas Chapter of the Association for Computational Linguistics

technical paper

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In recent years, CLIP-based text-video retrieval methods have developed rapidly, with research focusing on constructing diverse features and achieving effective interactions. However, the asymmetry of cross-modal information poses a challenge to accurately establishing retrieval relationships. To overcome this challenge, we propose a novel video retrieval framework, termed the Dual-Pathway and Dual-View model (DPDV), which consists of the Dual-Pathway Partitioning Module (DPPM) for constructing features at an appropriate granularity and the Dual-View Interaction Module (DVIM) for performing effective feature interactions. For DPPM, we simulate a human macro-level cognitive perspective by partitioning visual features into two categories based on their relevance to the text query and supplementing less relevant features with additional textual information. For DVIM, we simulate a human alignment strategy from macro to micro levels, focusing on local visual features while comprehensively modeling fine-grained interactions. We evaluate DPDV on five benchmark datasets, achieving leading retrieval performance.

DPDV: Dual-Pathway and Dual-View Representation Learning for Bridging Information Asymmetry in Text-Video Retrieval

Ensuring the safety of LLM-generated content is essential for real-world deployment. Most existing guardrail models formulate moderation as a fixed binary classification task, implicitly assuming a fixed definition of harmfulness. In practice, enforcement strictness—how conservatively harmfulness is defined and enforced—varies across platforms and evolves over time, making binary moderators brittle under shifting requirements. In this paper, we introduce FlexBench, a strictness-adaptive LLM moderation benchmark that enables controlled evaluation under multiple strictness regimes. Experiments on FlexBench reveal substantial cross-strictness inconsistency in existing moderators: models that perform well under one regime can degrade substantially under others, limiting their practical usability. To address this, we propose FlexGuard, an LLM-based moderator that outputs a calibrated continuous risk score reflecting risk severity and supports strictness-specific decisions via thresholding. We train FlexGuard via risk-alignment optimization to improve score--severity consistency and provide practical threshold selection strategies to adapt to target strictness at deployment. Experiments on FlexBench and public benchmarks demonstrate that FlexGuard achieves higher moderation accuracy and substantially improved robustness under varying strictness.

FlexGuard: Continuous Risk Scoring for Strictness-Adaptive LLM Content Moderation

Large language models (LLMs) are increasingly applied in specialized domains such as finance and healthcare, where they introduce unique safety risks. Domain-specific datasets of harmful prompts remain scarce and still largely rely on manual construction; public datasets mainly focus on explicit harmful prompts, which modern LLM defenses can often detect and refuse. In contrast, implicit harmful prompts—expressed through indirect domain knowledge—are harder to detect and better reflect real-world threats. We identify two challenges: transforming domain knowledge into actionable constraints and increasing the implicitness of generated harmful prompts. To address them, we propose an end-to-end framework that first performs knowledge-graph-guided harmful prompt generation to systematically produce domain-relevant prompts, and then applies two-strategy obfuscation rewriting to convert explicit harmful prompts into implicit variants via direct and context-enhanced rewriting. This framework yields high-quality datasets combining strong domain relevance with implicitness, enabling more realistic red-teaming and advancing LLM safety research. We release our code and datasets on GitHub.

StealthGraph: Exposing Domain-Specific Risks in LLMs through Knowledge-Graph-Guided Harmful Prompt Generation

As large language models become standard backends for content generation, practical provenance increasingly requires multi-bit watermarking. 
In provider-internal deployments, a key requirement is message symmetry: the message itself should not systematically affect either text quality or verification outcomes.
Vocabulary-partition watermarks can break message symmetry in low-entropy decoding: some messages are assigned most of the probability mass, while others are forced to use tail tokens. 
This makes embedding quality and message decoding accuracy message-dependent.
We propose QuantileMark, a white-box multi-bit watermark that embeds messages within the continuous cumulative probability interval $[0, 1)$.
At each step, QuantileMark partitions this interval into $M$ equal-mass bins and samples strictly from the bin assigned to the target symbol, ensuring a fixed $1/M$ probability budget regardless of context entropy.
For detection, the verifier reconstructs the same partition under teacher forcing, computes posteriors over latent bins, and aggregates evidence for verification.
We prove message-unbiasedness, a property ensuring that the base distribution is recovered when averaging over messages. 
This provides a theoretical foundation for generation-side symmetry, while the equal-mass design additionally promotes uniform evidence strength across messages on the detection side.
Empirical results on C4 continuation and LFQA show improved multi-bit recovery and detection robustness over strong baselines, with negligible impact on generation quality.

QuantileMark: A Message-Symmetric Multi-bit Watermark for LLMs

Large Language Models (LLMs) suffer from hallucinations, severely undermining their reliability. While white-box hallucination detection methods that leverage hidden states prevail, they fail to identify and focus on fact-critical information when analyzing token sequences. To address this, we propose LAFaCT, a Localize-then-Analyze detection framework. It first localizes fact-critical tokens using Factual Criticality, a novel metric derived from feature attribution. A subsequent stage then performs a focused sequential analysis on their hidden states. Extensive experiments on eight benchmarks and multiple model families confirm LAFaCT as the new state-of-the-art, with in-depth analyses validating the effectiveness of its core token-localization strategy.

LAFaCT: Attribution-based Localization and Focused Sequential Analysis of Fact-Critical Tokens for Hallucination Detection

Empathetic dialogue requires not only recognizing a user’s emotional state but also making strategy-aware, context-sensitive decisions throughout response generation.
However, the lack of a comprehensive empathy strategy framework, explicit task-aligned multi-stage reasoning, and high-quality strategy-aware data fundamentally limits existing approaches, preventing them from effectively modeling empathetic dialogue as a complex, multi-stage cognitive and decision-making process.
To address these challenges, we propose STRIDE-ED, a STRategy-grounded, Interpretable, and DEep reasoning framework that models Empathetic Dialogue through structured, strategy-conditioned reasoning.
To support effective learning, we develop a strategy-aware data refinement pipeline integrating LLM-based annotation, multi-model consistency-weighted evaluation, and dynamic sampling to construct high-quality training data aligned with empathetic strategies.
Furthermore, we adopt a two-stage training paradigm that combines supervised fine-tuning with multi-objective reinforcement learning to better align model behaviors with target emotions, empathetic strategies, and response formats.
Extensive experiments demonstrate that STRIDE-ED generalizes across diverse open-source LLMs and consistently outperforms existing methods on both automatic metrics and human evaluations.

STRIDE-ED: A Strategy-Grounded Stepwise Reasoning Framework for Empathetic Dialogue Systems

With the widespread deployment of public large language models (LLMs) such as ChatGPT, protecting user prompt privacy has become an increasingly critical issue. Existing privacy-preserving inference methods sacrifice either utility or efficiency, and often require model-specific modifications that limit their compatibility. In this paper, we propose SharedRequest, a model-agnostic framework for privacy-preserving LLM inference that reformulates privacy protection at the batch level rather than the individual-prompt level. The key idea is to obscure sensitive information by mixing original prompts with noisy variants, while grouping semantically equivalent instructions to amortize the inference cost over a large batch of queries with minimal impact on LLM response quality. This design is independent of the LLM architecture, requiring no access to model parameters or architectural modification. Empirical results demonstrate that SharedRequest achieves over $20$\% higher utility compared to prior differential privacy baselines, and its shared-prompt mechanism reduces query cost by up to $5\times$ compared to non‑batched inference.

SharedRequest: Privacy-Preserving Model‑Agnostic Inference for Large Language Models

Continual Learning (CL) for Large Language Models (LLMs) faces a fundamental Stability-Plasticity Dilemma: balancing the plasticity to acquire new capabilities with the stability to preserve prior knowledge. While Parameter-Efficient Fine-Tuning methods, such as LoRA, enable efficient adaptation, we identify a critical flaw in current approaches termed Rank-Blindness: the enforcement of a single rank constraint across diverse tasks, which entangles task-shared and task-specific knowledge, leading to catastrophic forgetting of earlier tasks and underfitting on complex new ones. To address this, we propose SpaRTA, a novel rehearsal-free framework guided by a rank-spectrum perspective that explicitly disentangles knowledge into two orthogonal subspaces. Specifically, SpaRTA employs a low-rank branch to capture task-shared representations and a high-rank branch to model task-specific features. To integrate these complementary representations, we introduce a context-aware dynamic router that adaptively fuses the two branches based on input semantics, while an explicit orthogonality constraint minimizes interference between shared and specific parameter subspaces. This design effectively isolates task-specific updates from shared knowledge, preventing the overwriting of prior capabilities while preserving strong adaptation capacity. Extensive experiments demonstrate that SpaRTA achieves a superior stability-plasticity balance compared to single-rank baselines. Notably, the proposed spectral disentanglement strategy substantially reduces inter-task interference and yields strong zero-shot generalization on unseen tasks. Our code will be available at https://github.com/Xnhyacinth/SpaRTA.

Spectral Disentanglement: Rank-Aware Task Adaptation for Rehearsal-free Continual Learning in LLMs

Large Language Models (LLMs) based autonomous agents demonstrate multifaceted capabilities to contribute substantially to economic production. However, existing benchmarks remain focused on single agentic capability, failing to capture long-horizon real-world scenarios. Moreover, the reliance on human-in-the-loop feedback for realistic tasks creates a scalability bottleneck, hindering automated rollout collection and evaluation. To bridge this gap, we introduce AgencyBench, a comprehensive benchmark derived from daily AI usage, evaluating 6 core agentic capabilities across 32 real-world scenarios, comprising 138 tasks with specific queries, deliverables, and rubrics. These scenarios require an average of 90 tool calls, 1 million tokens, and hours of execution time to resolve. To enable automated evaluation, we employ a user simulation agent to provide iterative feedback, and a Docker sandbox to conduct visual and functional rubric-based assessment. Experiments reveal that closed-source models significantly outperform open-source models (48.4% vs 32.1%). Further analysis reveals significant disparities across models in resource efficiency, feedback-driven self-correction, and specific tool-use preferences.

AgencyBench: Benchmarking the Frontiers of Autonomous Agents in 1M-Token Real-World Contexts

Instruction-tuned large language models (LLMs) exhibit strong instruction-following and generalization abilities, enabled by expensive post-training pipelines. However, adapting them to specific downstream tasks remains challenging: direct fine-tuning often disrupts this delicate balance, while existing adapter-based transfer methods typically treat the instruction-tuned model as a passive target that only participates at the final merging stage. We propose GIFT (Guided Fine-Tuning and Transfer), a simple and efficient framework that incorporates instruction-level guidance into task adaptation. GIFT fine-tunes a low-rank adapter on the pretrained base model using token-level confidence signals derived from the instruction-tuned model. The learned adapter is then merged into the instruction-tuned model, yielding task-specialized models that preserve general instruction-following behavior. We evaluate GIFT on mathematical reasoning and knowledge-intensive benchmarks across multiple model families and scales. Results show that GIFT consistently outperforms direct fine-tuning and representative transfer-based baselines, while maintaining robust generalization and favorable test-time scaling behavior.

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DPDV: Dual-Pathway and Dual-View Representation Learning for Bridging Information Asymmetry in Text-Video Retrieval

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