Nearly everyone has an unfortunate collection of photos (5)

I believe the answer is:

album

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'collection of photos' is the definition.
'album' can be an answer for 'collection' (I have seen 'Collection of photographs' mean 'album' so perhaps 'collection' could also mean 'album'). I'm not certain of the 'of photos' bit.

'nearly everyone has an unfortunate' is the wordplay.
'nearly' means to remove the last letter.
'everyone' becomes 'all' (I've seen this before).
'has an unfortunate' becomes 'bum' (I can't justify this - if you can you should give a lot more credence to this answer).
'all' with its final letter removed is 'al'.
'al'+'bum'='ALBUM'

Can you help me to learn more?

(Other definitions for album that I've seen before include "Book for stamps/photos" , "LP, CD; blank book" , "CD, say" , "Book of snaps" , "LP, perhaps?" .)

I've seen this clue in The Independent.

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