so me and my friend were having a discussion about fallout new Vegas. After a while he brought up a story about how a man with really pale skin in game came up to him and started a convo with him, But the man said nothing. He got spooked and shut his PC off so i'm wondering is there any horror stories you guys wanna share?

That does sound scary I would have been terrified as well

I wouldn't say i have had too many horror stories, but when i was playing Fallout 4 a few weeks back i got to the top of this short building and was looking down the road. It was foggy and i saw a figure just standing in the middle of the street. I didn't know it was a mannequin until i scoped in with my rifle. kinda spooked me a little and i had one of those "what are you doing here, Jeff?!" Moments like Will Smith in I Am Legend.

I then proceeded to shoot it down and run away. Creepy mannequins.

This one stuck with me, as it both surprised me and made me appreciate the Fallout series.

I'm heading south, at night, towards the direction of the Dunwich building. I'm traveling through a rocky passage when a hostile comes on my scanner. At first I figured it couldn't too big of a deal since I was level 8-10 (I forget), to my dismay, when I turned the corner, it's Deathclaw and I have nothing more than light weapons. Seeing no way to harm it, after using all my ap in vats, I run towards probably the worst possible safe haven, the Dunwich building. The Deathclaw trailing behind drains my stimpaks to zero, but fortunately I get into the building without it entering as well.

At this point I had a choice, either risk going back out, or continue through the Dunwich building; hoping to find some stimpaks for my injured self. I chose the latter knowing full well I had nothing in my inventory.

In the end I fought through the Ghouls with what little amo and supplies I had; using whatever supply I came across to the best possible use. This was probably the only time in Fallout that I truly felt it was a survival game without any mods. Stuck between a deathclaw and an army of ghouls you had to weigh your options without the game giving you a note or quest to hint you.

I had an experience, (FO4)

I was heading towards Diamond city, at night, with no HUD. I started hearing a noise, couldn't tell where it was coming from but it sounded like scratching and moaning, sort of like a ghoul sound. I look around, turn my light on and gaze out into my surroundings....Nothing. I'm thinking it's trapped in rubble inside a building right, so I keep going. 

Only the noise seems to follow, I keep checking and at this point I'm in pitch black, but from previous visits to the area I'm aware of the Mutants, so I don't use my light while on the move. I keep going, I'm a short ways from Goodneighbor and the noise creeps up again, so this time I turn my light on, turn around and when I do I get slapped in the face by a ghoul.

At this point I've lost my insides and I'm on the ceiling as white as a ghost.