I had same problem, and I tried everything...got a professional fitting, changed saddles, changed size of my bike, tried different shorts, chamois cream, etc. Nothing worked (I think these solutions work mostly for men, not always for women). Problem got SO painful, SO bad , went to my gyne. After she examined me, she said I was low on estrogen (menopause related) and consequently on natural moisture, which was causing painful rubbing, causing external and INTERNAL chafing. She recommended estrogen cream first, but I rejected that idea. So she said I could try using a lanolin-based (not water-based, those don't work) lotion from the local "intimate products" store. I bought the one called "Pjur Eros Bodyglide" (there are other similar products too), and before I ride I apply liberally inside and out, and on my shorts chamois. The product is allergy-tested, oil-free, non-pore blocking, safe for daily use, etc. These lotions allegedly build a barrier between you and the shorts and/or saddle. I also started using an OTC product called "Replens" vaginal moisturizer (this part was my idea ). PROBLEM SOLVED. It's a miracle, I thought I would have to give up cycling. Good luck to you.