Other suggestions are good. My new favorite is YAML. If you haven't seen it, be sure to check out http://yaml.org/.

use YAML;
my @pwlist = Load(join '', <DATA>);

# Print as perl structure
use Data::Dumper;
print Dumper(\@pwlist);

__DATA__
# comments ignored
user: test
passwd: prrft5142
---
user: fred
passwd: fredpw
[download]

Output:

$VAR1 = [
          {
            'passwd' => 'prrft5142',
            'user' => 'test'
          },
          {
            'passwd' => 'fredpw',
            'user' => 'fred'
          }
        ];
[download]