CARD: Controlled Agentic Reddit Discussions for Credit Card Simulation

Online credit card discussions provide a natural setting for studying how consumers communicate about financial products. Simulating these discussions requires more than just generating individual comments, the generated threads should also match how real users express themselves and interact with others. We introduce CARD, a framework for generating realistic credit card discussion threads. Given a credit card post and its matched real thread, CARD uses non-verbatim guidance on reply structure, comment function, stance, tone, and conversational variation. A planner organizes these controls, a writer generates the discussion, and a calibration loop updates comments' populations that contribute to differences between the generated and real thread distributions. We evaluate CARD on real Reddit credit card discussions using lexical, semantic, behavioral, and structural metrics. CARD matches the distributions of real credit card discussions better than simulation baselines across multiple LLMs and also demonstrates smaller effect sizes and distribution distances across metrics. These results show that structured planning and targeted revision can generate the realism of simulated credit card discussions.

AI as a Tool for Simulation-Based Experiments in Literary Studies

Generative artificial intelligence (AI) systems open new possibilities for experimentation in literary studies via controlled, grounded, large-scale, low-cost simulations of cultural production. Current systems have not yet been shown to produce high-quality, book-length narrative texts that reliably reflect arbitrarily specified cultural constraints or stylistic features. But there exists substantial relevant research on each of the components required for literary-historical simulation. These include the use and validation of AI systems as proxies for differentiable human populations; the narrative and stylistic properties of AI-generated texts; the stability and coherence of multiagent, multiturn AI simulations of human actors; and technical methods through which to alter in predictable ways the knowledge and behavior of generative systems. Together, these areas could provide a starting point for more ambitious AI-based modeling of cultural systems of literary production. We describe the possibilities and challenges of simulation-based experiments in literary studies, summarize the current state of the art in relevant fields, and explain key technical aspects of the work. To provide an example directly relevant to literary scholars, we present the results of experiments on literary text generation, including comparisons to high-status, human-authored novels. Our results include the first demonstration of (limited) in-distribution outputs by AI models in this domain. We conclude with a description of future work on full counterfactual literary-historical simulations using AI.