credible because the IJ concluded that it was implausible that Jin would have carried a medical record—which was attached to his asylum application along with other personal documents—“in his pocket” during his journey to the United States without any particular purpose. This reason is based solely upon the IJ’s personal beliefs and speculation about how and why Jin might have carried his medical records. Moreover, Jin actually did provide an explanation for why he brought the record with him. His trip to the United States occurred shortly after his April visit to the clinic, therefore, he had his medical record and diagnosis from that visit with him when he prepared to leave. The IJ’s speculation alone cannot support an adverse credibility determination. See Kaur, 379 F.3d at 887-88 (<HOLDING>); see also Bandari, 227 F.3d at 1166-67. The
holding that the ij impermissibly relied upon personal beliefs and conjecture when the ij expressed her disbelief that the german government would have allowed the petitioner to attend college with no evidence supporting the ijs belief holding that personal conjecture about the manner in which indian passport officials carry out their duties could not support an adverse credibility finding holding when one identified ground for an adverse credibility determination is supported by substantial evidence and goes to the heart of petitioners claim of persecution the court is bound to accept the ijs adverse credibility determination holding that the ijs beliefs that the indian government would not issue a misspelled passport and the petitioner would have learned the name of her smuggling agent during their journey were speculative and insufficient to support an adverse credibility determination holding that ijs adverse credibility was not supported by substantial evidence where there were significant communication and translation problems  during the asylum hearing and the discrepancies at issue were not crucial to petitioners claim