The most common and most likely answer to this crossword clue is the 4 plus 7 letter word LIFE HISTORY
I've seen this crossword clue in The Daily Telegraph
L
I
F
E
H
I
S
T
O
R
Y
Buddy explains!
The straight part
We know that "Personal account" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case personal account = life history.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.