You need to enable (create) a password on your Windows XP computer. Once you've done that, go back to your Windows 95 and double click on your Windows XP. Then type in the password you've just created?
That will not work. You need to enter the Username and Password as it appears on the Windows XP machine into the 95's "Client For Microsoft Networks" logon box (when you first boot up). Then you will be able to see/access the XP computer with the correct permissions. That is the ONLY way to get network rights between a 9x and NT based OS