This document summarizes a literature review on the environmental effects of surface water pollution. It finds that surface waters across the globe are increasingly polluted by human activities like agriculture, domestic waste, and industry. All studies reviewed found pollutant levels exceeding safety limits, with adverse health and environmental impacts. Effects include waterborne diseases in humans and negative impacts on plants, aquatic life, and the surrounding environment. Proper treatment of surface water is needed before human and industrial use to prevent health crises. Ongoing monitoring and enforcement of water quality standards are needed to address the growing pollution problem.