Have been playing Fm6 since November… Had over 250 cars and about 2 or 3 million did an update and my driver level went from 101 to 91 a lot of my cars were missing and most of the tunes were missing as well… This sux…

You may have a disconnect between your local save information and that in The Cloud.

Try doing a system reset (hard boot) as below:
1 – from the Dashboard, out of all games, hold the X button on the front of the console down until it shuts the system down.
2 – Disconnect the external power from the wall plug (or at least disconnect the wall-side connector on the power pack itself).
3 – WAIT until all power drains from the external power pack (no light, either white or dull orange showing on the pack), then remove the PSU-to-Console connection from the back of the Xbox One.
4 – After about three minutes, reconnect the plug to the console followed by the PSU to the electrical outlet.
5 – Restart the console in the usual manner, i.e., either with the controller or a short push on the X button on the front of the X1.
6 – WAIT until the console self-checks and fully boots to the Dashboard before attempting anything.

If you don’t disconnect the external power pack and let the power completely drain out, the system is still retaining “old” stuff and not resetting. IF you receive any updating of the console or game, DO NOT interrupt the download until it is 100% finished and clears itself from the queue. And DO NOT attempt to play, even though there may be a message about “Ready to play” showing.