Rivalry: A rival to you or your family cause upheaval forcing you to relocate possibly to a far distant land. (Work with your DM to detirmine the details)
You find yourself in love with another, wither it is a fling or something more serious is up to you. (work with your DM to detirmine if it is ongoing or terminated)
While foraging or hunting for food, you have an encounter with a trapped predatory beast. Instead of slaying it, you free it. The freed beast disappears. Later, you are trapped by a falling log. The same beast reappears, aiding and freeing you.
Faction. A factional enemy could be a religous order, a merchants guild, an order of assasins, or an order of holy knights. It is a enemy that may have agents and spies taht act of their behalf. Could be on the run, part of a rival faction, or want to join