FFXIV for sure. Endgame players who have tryed this game understand how much is toxic be actually part of challenges. All the time FFXIV is advertise as happy place with happy community but no one talks about the toxicity of making groups for raids. I don't regret to have quit and I don't looking to returning as well.
I quit 1year ago after 5y of dealing with it. Helpeful in random content, sure, daily and stuff. But if we talking about extreme, savages, ultimate, then the toxicity spill like diarrhea. Friendly community ends as soon you step in a serious fights, and becomes a game you want to play only with close friends because of this.
I mean id understand endgame players but 90% of the people you will see in game are nice people who are just playing the game, like ive learned so much about xiv just from talking to other players.