The ghost stories are many - no need to look 'em up; you had one inside your own head, and yours is more sophisticated and fresh and fun to read!
Urban Legend - one became a song - the Letter Sweater:
Guy meets girl; verse 2, she asks for his letter sweater because she is “very very cold.” The singer walks her to her door, kisses her goodnight, and starts home. Remembering his sweater, he returns immediately to the house. A man answered the door, and the singer tells him why he was there. The song continues:

You’re wrong son
You weren’t with my daughter
How can you be so cruel
To come to me this way
My daughter left this world on her birthday
She died a year ago today.
https://www.gadsdentimes.com/article/20060301/lifestyle/603216965

I just love these goose-bumpy stories