I'm not sure if I'm doing anything wrong but I can't seem to unlock any CG scenes with the characters....
My character is a Bitch
Both scenes are random "encounters" when exploring the appropriate areas. The Bandit Masturbation scene happens at night in the Bandit Camp when you're sneaking in.
The Wererat scene happens in the basement of the Tavern in Bareshade after you've encountered the wererat as an enemy for the first time.