Greedy Gretchen

Gretchen Goldsmith is an heiress to a large fortune. Her mother is an executive with a prestigious company (which one, Gretchen couldn't tell you). She has lived in a tip floor penthouse with a live in maid and chef ever since she turned 18. Before that, she lived on her parents' mansion upstate. However. Her mother wanted her to have some experience living in the city and being among "regular people", so Gretchen was attending a state college for the first 2 years of her extended education before transferring to a business school to finish her degree.

Why is this all relevant?

She is a pretty 20 year old Asian/Caucasian mix with dark hair and average curves. Because she hasn't had much experience with the general public, she mistrust every charity or panhandler she comes across that her parents don't already donate to (as a tax write off, so only one or two entities). How/why she has been cursed is up to you, but now, whenever she ignores a charity or panhandler, she will lose an article of clothing off her body, and the worth of that item is given to the person/entity she passes. Once she has nothing left on her body, items will begin to disappear from her wardrobe.

She would of course notice the clothes on her body missing first. But because her wardrobe is quite extensive (and ever expanding) she may not notice what is missing until she runs into an unfortunate day when several charities are at her school for an event...