In a dark alley at night, you are attacked by thugs. Before they can take anything, they turn white with terror and run away. You discover that you have a guardian ghost, a wise, benign spirit who accompanies you (work with your DM to determine 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)
As an adult you joined a rebellion against the local ruler, if successful you are outlawed, if it failed you escape, with only friends and family knowing your involvement. (Work with your DM to detirmine the details)