I’ve seen / heard way worse in MW2 and Cod4.
Back before parties I had a few MS employees monitor my in game voice because I reported so many people. Now with parties I don’t have to succumb to toxic people.
Any racism or derogatory chat I will bait that person in Xbox live messages. Happened from rocket league just the other week for the most recent. As gears and RL are the only ones I play with in game text chat.