Try this:
1. Boot into single user mode
(Hold down Command+S after chime, until you see a black screen with text)
2. Enter the following at the prompts:
Code:
cd /private/var/db
rm .AppleSetupDone
cd netinfo
rm -rf local.nidb
exit
This essentially removes the flag that Apple's setup was finished, and it nukes the netinfo database, which holds data for your users.
3. After the system restarts, you will go through the mini-setup. Re-enter the data for your user (try to keep the name / shortname the same)
4. If everything went well, you'll be in business. If you can't access your files, then its probably due to a mismatched / missing uid issue. You can go into terminal and do a:
chown -R user1 /Users/user2
(user1 is your current shortname, and user2 is the previous one that you can't access)
See if that works. Should save you from a reinstall.