Since nearly everyone has a digital camera now, the only kind of film we really need to worry about in scrapbooking these days is the protective film that coats acrylic panels and keeps them from getting scratched before you embellish it.
Protective film is usually one of three colors: blue, as shown in the picture below, and the easiest to peel off in my opinion; light gray; and a frosted clear. The film is usually on both sides of the panels. It can be a real pain to try to remove it sometimes, so here are a few tricks to try next time you're film is giving you fits:
1) Use the tip of your scissors or paper piercer to lightly scratch at the panel's edge, peeling up a bit of the film.
2) Run the pad of your thumb along the edge of the acrylic panel, perpendicular to the cut edge until the film begins to roll up.
3) Once you have one piece of film off, use it to rub the edge of the film in a downward motion on the face of the rest of the panels. This should cause enough static and friction so the film begins to peel off.