I remember liking this one a lot, although I didn't get very far...

It was a roguelike from the late 90s (maybe it has been developed later, I totally forgot its name and lost its trail)
ASCII graphics, interface quite similar to 1999's ADOM.
What I remember from that game is that you could encounter the ghosts of previous characters you had played (and had died). Sometimes you could find them in some abandoned house in a village at the beginning of the game, but I think they could also be encountered in dungeons.
Sorry, I can't remember much about that game, but I think it had some really interesting features (most of them somehow evade my memory), being that ghosts one of them...

Does anybody know that game I am talking about?

If it is NetHack like Matewis guesses (first released in 1987 and for DOS in 1992, so not LATE 90s like you said)...

review
website

Damn, that's the one! It's quite known, and I hadn' even realized about it... Well, I played it in the late 90s. That's when I discovered roguelikes :)
Thanks anyway!

Inspired me to do yet another run. Maybe I will last a bit longer this time. Graphical version for me, thank you.

To be fair, that sounds like a lot of Roguelikes (many of them influenced more by NetHack itself than by Rogue or its early brethren).
This, however: ...does not. Now, I admit I haven't played tons of hours of NetHack, but I'm pretty sure a new game never starts out in a village (with or without a haunted, abandoned house). This part (minus the ghost) actually reminds me of the old Windows 3.x graphical Roguelike called Castle of the Winds for Windows, which was an episodic shareware game back in the day (now freeware, though good luck playing it in a modern version of Windows without convoluted workarounds) that started out in a village. You couldn't go into the houses, though -- you just walked into the door and a dialog box would appear if there was any business you could do there (shops, bank, temple), or there was any relevant info to be gleaned (visiting your deceased family's smoldering, ruined hut -- the thing that made me think of this game here). (And actually, I don't remember whether there even were player ghosts in CotW.)


Come to think of it, another (graphical, commercial) RL from the '90s where you start out in a (this time crudely represented) village, and which definitely has player ghosts, is Ragnarok (released in a slightly modified form in Europe as Valhalla).


Honestly, though, there are probably quite a number of RLs at this point that fit the given description...most more than NetHack does.