Yes, I was 'ma'amed' while out on a bike ride. A car pulled up along side of me and a woman rolled down her window and asked for directions by saying "Ma'am, can you tell me how to get to....".
I wasn't wearing anything but panties with male clothes over the top of those. From behind I have broader shoulders and I weigh well over 250#. The only thing I could think of was I do have longer than 'normal' hair but then again not excessively long. When I'm dressed and fully made up I would never be recognizes as a woman. My clothes that day were very male.