[waterhouse]

Complete androgen insensitivity syndrome, I imagine? That's probably the one category of XY people who have undergone no hormonal masculinization throughout their lives, and the one case where I'd agree with them competing with women. Wikipedia says it's estimated to be "1 in 20,400 to 1 in 99,000".

[gwbas1c]

Probably, it's a friend of a friend situation, so I don't know the name of the condition.