This was the list of problems that Martin Luther had with the Catholic Church

1. Sale of Indulgences: Martin Luther strongly opposed the Catholic Church's practice of selling indulgences. These were certificates that people could purchase as a way to reduce the punishment for their sins or the sins of their deceased loved ones. Luther believed that salvation and forgiveness could not be bought or earned through monetary means.

2. Corruption and Wealth of the Church: Luther criticized the Catholic Church for its accumulation of wealth, especially through the sale of indulgences. He believed that the Church had lost its focus on spirituality and had become more concerned with material possessions and financial gain.

3. Papal Authority: Luther questioned the supreme authority of the Pope and the idea that he had the power to interpret and change religious doctrine and teachings. He argued that the Bible should be the ultimate authority and that individuals should have direct access to its teachings.

4. Abuses of Clergy: Luther also highlighted the moral and ethical abuses of the clergy within the Catholic Church. He criticized issues like corruption, nepotism, and the behavior of priests who did not adhere to their vows of celibacy. Luther called for a return to a more pure and committed clergy.

5. Justification by Faith Alone: One of the central points of Luther's theology was the concept of justification by faith alone. He believed that individuals could be saved and justified before God through their faith in Jesus Christ, rather than through good works or adherence to religious rituals.

6. Sacramental System: Luther challenged the Catholic Church's sacramental system, particularly the belief in transubstantiation, which held that the bread and wine used in the Eucharist literally became the body and blood of Christ. Luther argued for a more symbolic understanding of the sacraments.

7. Authority of Tradition: Luther rejected the belief that religious traditions and customs carried equal weight to the teachings of the Bible. He argued that traditions and practices should be evaluated in light of the Bible and that any teachings contrary to Scripture should be abandoned.

8. Access to the Bible: Luther critiqued the Catholic Church's control over access to the Bible, which was predominantly available only in Latin and limited to clergy and scholars. He translated the Bible into German to make it more accessible to the common people, empowering individuals to read and interpret Scripture for themselves.

These were some of the key issues that Martin Luther raised during the Protestant Reformation, which eventually led to the formation of different Protestant denominations and a significant religious schism within Western Christianity.