Simple encryption

Hey guys, I want to encrypt a set of usernames and passwords to be stored in a text file. I intend on using something like the algorithm found here:

However, I intend to store every set of username and password info as one line in the format of <username>:<password>, with ':' being the delimiter for string tokenisation purposes. The problem I have encountered with testing the algorithm for my purposes is that some characters after encryption become the same character as the delimiter. Does anyone know of a way to avoid this issue? Or is there any encryption function in a library that I don't yet know of? Thanks for the help.
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