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To have a chip on one's shoulder
means you carry a sense of resentment or a grudge, often due to a past experience. It makes you easily offended or quick to assume others are challenging you.

Examples:
1-
After failing the audition for the school play, Kevin had a chip on his shoulder and insisted everyone was against him.
2- Some soccer fans have a chip on their shoulder because of a controversial referee call in the last match—now they distrust every decision.