When you describe something as a problem , whatever you're talking about in communication is exactly that, it's a problem. So you better be sure there's a basis for using a word like that, especially in your HOA's Meeting Minutes. And, for that matter, in other communication that is a record of your association's thinking. Maybe a different word can be used. A word like -- instances -- for instance. So instead of saying a homeowner or several homeowners are causing problems, maybe say something like: The Board discussed instances of...(whatever the problem is that you're noting in the Minutes). Instances of homeowners and guests ignoring parking guidelines and rules, for example,or guidelines and rules when using an HOA's recreational facilities. There's something about a word like instances . It says there's a problem, but in a different, maybe less strident way. (For more about this, contact hoastrategic@gmail.com)