Reasons:
Misunderstanding the rule about TFSA. Request a waiver of TFSA excess amount penalties.
Mail to your local CRA office.
This is the way most people to do, but no guarantee because so far haven't heard anyone get the refund yet.
At same time, ask your local MP office for help, don't be shy, the politician should provide help to voters, even for one penny. It was your fault that you did not read and understand the regulation carefully, but it's also something wrong with the banking system and the policy government made which have caused tens of thousands tax payers confused and made mistakes.