I see most who said “never happen to me” being ones who dont participate in soloq rated modes, the effects of mentioned report system will affect everyone once they start playing 20-100 rated soloq modes per day and encounter about 100-300 random people through the day that will and do report anything that is said in the chat if they are just unhappy to lose a round for example or even when they win with you if they happent to lose the round before that against you, they will now in your team report you for anything you say in the chat just because.
Now that doesnt mean you get actioned for these but it does get annoying seeing the “language warnings” pop up almost weekly if you do speak in shuffle or blitz and call incs or try say something relevant to the game. People use the system incorrectly just cause they can, and increasing the multitude of meeting people through day in these soloq rated modes where its easy for ppl to get frustrated after long ques, it also increases the likeness of people behaving this way.
I would suggest all to be careful in blitz/shuffle with the use of chat and in general not have any macro or details announce anything in the chat which would be clickable for report. Its my advice. Now ofc if I would avoid rated soloq modes or generally only hang out with my friends or just play some other content than these then I would not be vulnerable to this system. There is a difference here that need to be taken into account with it.
It varies but mostly the use of chat is not adviced for anything but calling incs or saying what base one goes def etc. Speaking of anything else can easily become interpret as something else once they express frustration and so on, when people start typing instead playing