I have tried to Withdraw from my retirement annuity fund, but they refuse to give my money Yes it's a retirement fund, I have not reached 55 or retirement age

I have tried to Withdraw from my retirement annuity fund, but they refuse to give my money Yes it's a retirement fund, I have not reached 55 or retirement age. But the bottom line is My savings. I'm not pleased or Satisfied that a person chooses to want to take their money before time and is deprived of that option hence the money saved is their money!!!!!