My real personal account is not necessarily a bone chilling, fantastic, or unbelievable one however it is quite significant to me. It all begins with a local story.
I am currently 20 so this happened when I was about 14. Long story short a local woman was chasing after her son who had a mental disability. He ran across some train tracks so naturally she followed him. He made it across safely she did not. Forward a few months I am in the car with my dad riding to my aunt's house. We cross the same track but not the exact location where the woman was hit and I can see a woman walking on the tracks by herself. She is far off in the distance so I couldn't make out much. However she is close enough that I can make out a white female with long snow white hair and a snow white dress. Strangely enough this occurs in the middle of the day.
Now whether this is the apparition of the woman or just a local I am not sure. However after living in this small town for 8 years I have seen most if not all inhabitants and have yet to come across someone remotely matching my memory.
I do have more true stories I'd be more than happy to post if there is an interest. I can guarantee they are more bone chilling than this one.
Let me know in a comment please and also let me know if anyone else has seen a woman in white apparition as I've heard they are frequently seen in various locations.