To be honest one schould just take a look at real urban legends and take something out of them. Some are so hilarious.
en.wikipedia.org
Baby Train is an urban legend which claims that a small town had an unusually high birth rate because a train would pass through the town at 5:00 am and blow its whistle, waking up all the residents. Since it was too late to go back to sleep and too early to get up, couples would have sex. This resulted in the mini baby-boom. XD
The
Choking Doberman is an urban legend that originated in the United States. The story involves a protective pet found by its owner gagging on human fingers lodged in its throat. As the story unfolds, the dog's owner discovers an intruder whose hand is bleeding from the dog bite.
The
Death Number 999-9999 is an urban legend claiming that if someone calls 999-9999 after midnight, they will be able to request anything they wish, but at the cost of their death. The legend was adapted into a horror movie,
999-9999, in 2002.
The
ghost boy of Clinton Road is an urban legend that describes a dead young boy who hangs out under a bridge and returns coins to you after you throw them in the water.
The
Ratman of Southend is an English urban legend originating in
Southend-on-Sea,
Essex. The story of the Ratman tells of an old homeless man, seeking shelter from the cold in an underpass, was set upon by a group of youths and beaten to near-death, cold and blood loss doing the rest. As he died, the numerous vermin who inhabit the area gathered, and were found to have devoured his face. After this, a ghostly figure was spotted in the underpass, with people hearing rat-like squealing, and scraping, as if large claws were moving across the walls.
The
Seven Gates of Hell is a modern urban legend regarding locations in
York County, Pennsylvania. Two versions of the legend exist, one involving a burnt insane asylum and the other an eccentric doctor. Both agree that there are seven gates in a wooded area of
Hellam Township, Pennsylvania, and that anyone who passes through all seven goes straight to Hell.
Teke Teke (テケテケ) is the ghost of a young woman or schoolgirl who was tied to the railway line by bullies, which resulted in her body being cut in half by a train. She is an onryō, or a vengeful spirit, who lurks around urban areas and train stations at night. Since she no longer has lower extremities, she travels on either her hands or elbows, dragging her upper torso and making a scratching or "teke teke"-like sound. If she encounters a potential victim, she will chase them and slice them in half at the torso with a scythe or other weapon.
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Probably not what you asked for but those seem really interesting