HIV stigma has shown up a couple of ways in my life. Some of the more discreet ways have been amongst either friends or people who I've heard casually speaking on the bus. They said they would never date anybody who has HIV, or maybe they used another word for HIV. I think that it communicates a clear message that there's something to fear there, and that people are worth fearing, as well.
When I think about my own testing history: I did outreach as a teenager, but at the time I didn't want to go to a doctor's office to get tested. I didn't want to go to a community-based organization to get tested, because I was afraid that if the people there knew that the person who was giving the message had contracted HIV then it would mean the worst for me. It was definitely a shame-on-me kind of moment. So I remember sneaking to do my own HIV test, and having to do that alone until I could figure out how to get some support.