Here's an example.  In 3.5, Control Winds was a 5th level druid spell that let you raise the level of "wind" by one factor for every 3 caster levels, and had a massive range (in the miles).  Combine that with a pearl of power that boosts your divine caster level by 4, and you could make a calm breeze into a hurricane by 11th level. 
So I did that!  And I flattened a town that an enemy of the party was hiding in to flush him out.  After the session, the DM asked me if I could not do that trick anymore because he just didn't have a logical way to counter it, and it would make the game less fun to try.  So I said "Of course, no problem", and didn't do that anymore.
Was I being a problem player?  I don't think so.  It was a bog standard PHB spell, a pretty common magic item, and once you saw how the spell worked, an obvious tactic to use.  Using something built into the core books with a minimum of outside synergies and yet was able to cause campaign shaking problems, to me, points to a problem with the books.  If I had continued to use that combination because it's "legal", despite being aware of the problems it caused in the campaign, then I would become a problem player.