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The lock only blocks the hammer; something else is causing the cylinder to bind. You can't send it to S&W (or anyone else) loaded, so you will have to take it to a local gunsmith or figure it out yourself.
First, I assume the cylinder will not turn, not just that it won't swing out. I suspect that may be an ammuntion problem. Try pushing forward on the latch, and tapping the cylinder on the right side with a block of wood. This can often get the cylinder open if a fired primer has set back.
If that doesn't work, go to a safe place and pull the trigger while turning the cylinder by hand. (The gun may fire, so keep the hand well back of the barrel cylinder gap.) If you can't turn the cylinder at all, get back with us and see if we can figure out something else.
Jim
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