locked out

my xp home computer is giving me an error-Locked out! Only User Jen/Jennifer or an administrator can unlock.” There are fields in which to type user name and passwords but when ytrying to type you get the classic windows “ping” that says you can’t do that dummy. You cannot tab to another field. I never assigned any passwords even to begin with so i don’t even know what to type even if it was letting me type it. Please help.