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Ok First
NEVER publish your password, this can be read by anyone around here and should they want, they could destroy your site.
So change your password immediatly
Check the read me file in the module, i can almost bet you need to chomod the permissions in the albums folder to 777 and maybe another one or two folders as well.
XC gallery is a little complicated to get your head around but when you do it is a sweet module.
Check all your setting...especially folder permissions and it will work
good luck and change that pass word right now.