Hmmm, I suggest hide everything on the female character ( hair and clothes ), then do a spot render and see if you still have the issue. As for the male's forehead, in the scene tab click his hair and in the parameters tab search for "forehead" and look for forehead-width and forehead depth, set the both to 5 and that might fix the issue with his head. I'd have thought for the female the issue might be her hair clipping from the back but it doesn't really look like it is, hard to say without seeing the back.