"My house was built in 1923, and my whole family has had eerie experiences from a ghost whom we assume is the man who built the house. He passed away from a heart attack in my bedroom, but had a good life and was known to be a nice person, so we aren't scared of his presence — just creeped out when we hear whistling in the kitchen and no one is in there, or hear someone walking downstairs when we are all in bed. Sometimes, we even hear the front door open and close, and someone come in and put their coat down, but no one is there.
Anyway, the SCARIEST thing that happened was when I was about 15 years old and was getting ready to take a shower. The water was running but I had to pee first, and as I was sitting on the toilet I felt the hair on the back of my neck stand up and the air suddenly went cold. Then a man's voice yelled in my ear, "WHAT ARE YOU DOING?!" I could feel the breath on the side of my face. I was frozen in horror and was finally able to get the guts to bolt downstairs completely naked, to the surprise of my mother who was cooking dinner. She could tell I was horrified but just gave me a blanket to wrap myself in and laughed her ass off."