D&D 5E Noncombat Encounter - Underwater

Noncombat Encounters include creature groups, hazards and lone npcs. Maybe a lost lizardfolk, a forest fire or a talkative druid
Encounters underwater bring visions of murky seas, vast reefs and dark depths. They might occur in a kelp bed, an underwater cave or by a long-forgotten shipwreck

terrain: sources:

Two-Fingers Keira is a seductive sea elf veteran with an orcish necklace. They are friendly with others and are always name-dropping the local ruler
At a sea-weed covered depression near a wide trench (nearby is the fresh corpse of a giant octopus)
They are investigating something from the surface

Zahman Fulst is an one-armed female kobold commoner with long fingers. She is skilled with a musical instrument and is currently looking at a boat
At a narrow crevasse and a patch of glowing kelp (close by is a smooth rock)
They are exploring ruins
Possibly... they have a Bead of Force

Anosa is an ugly lizardfolk guard with a fresh brand on their forehead. She has strong beliefs around might and seeks to become a famous singer
At a sparkling gorge (the area is associated with giant octopuss)
They are adapted to darkness

Bonvir is a lucky locathah gladiator wearing beautiful jewelry. He is drawn to a historic site and seeks to destroy a famous staff
At an undersea mountain and a sunken shrine to a power of strength (nearby is a shell-studded seaweed garden)
They are consuming an unusual type of seaweed
Possibly... they have a pair of Goggles of Night

Urdusin is a burly sea folk acolyte who smells of salt. They believe in a life of simple pleasure and have a gift for a character
At a gloomy temple to a power of peace atop a jagged cliff (there is an underwater beacon)
They are are searching for wealth

Tupa is a covetous crabfolk cult fanatic with missing fingers. He has many friends and is a member of a cabal of elementalists
At a seaweed garden surrounded by shells (close by is an area of open water)
They are starting a celebration
Possibly... they have a Potion of Animal Friendship

noncombat

1 Spy

Cidwep is a grizzled lizardfolk spy with a pearl bracelet. She is dedicated to fulfilling a personal life goal and has a mundane item they are trying to sell as magical
At a channel through a coral reef (the area is near to a mordenkainen's magnificent mansion)
They are watching something from the surface
Possibly... they have a Weapon +1 - javelin

They are pulling a cart or other vehicle but there is no driver
At a bed of yellow sea plants and a cage on a chain (someone has left a piece of rope)
They are telepathic

Maxima Kulenov is a weathered human archmage with a strange octopus pet. She is fascinated by coral and is currently playing with a pet sea turtle
At a garden of kelp by an ornamental kelp garden (close by is a shallow depression)
They are watching a magical portal
Possibly... they have Daern's Instant Fortress

Pilan is a hilarious hobgoblin knight with a tricorn hat. He is boastful around others and has a business partner they want removed
At an area of bright soft coral (the area is protected by a sea druid)
They are watching a magical portal