It happened Saturday evening near Burnham Harbor. Deetria Cannon of Lisle says they were headed back to shore when something happened and the boat began taking on water.
Cannon says there were not enough life vests on the boat for everyone and a number of passengers didn't know how to swim.
"All I remember, I turned and was like 'no, no, no, no' because I was just trying to prepare myself like this cannot be happening," said Cannon.
Other boats rushed over and rescued the passengers.
Chicago police say there may have been too many people on the boat. No citations have been issued.
