There have been a couple of providers that, for me, were a bit over the top with the dirty talk. That's not to say I don't appreciate the effort, it just doesn't feel real and takes me out of the moment. For example, a breathless "Oh God fuck me" as I pick up the pace really reinforces the fantasy but a "Stick that big cock deep into my tight little pussy you naughty boy" over and over...not so much. I do not know if there is a way to mention to someone that her effort is having the opposite results without offending them. This request for advice is more for the first time encounter (and maybe last) where everything is great except for that one little thing...thoughts?

I've encountered that as well.  It does seem kinda fake.  The most extreme example was one very hot provider who was more "show" than "go" tell me "Oh I just came so hard for you."  If that was an orgasm of any kind, then I'm Johnny Wad.  I suppose you could set some ground rules at the beginning, but with some of these very young gals, they either don't know how to effectively fake it, or they really don't care.

your paying for it tell them how you like it