Can't get into my account anymore!

I experienced this too (pun on XP :P).

needless to say, i was angry. i hopped over to Admin to
check out the damage. and i went to my old doc folder,
and all my items were still there. i just moved all the
files to my admins desktop, deleted the bugged account,
made a new one, and put the files back on my fresh account.

or else i suppose you could try a system restore.