Hate to break it to you, but im pretty sure nobody in the world has 100% contracts, nor will there ever be, at least without cheats.
There are some really hard and really absurd contracts responsible for this: you need to be in top 200 on each month/season for all 12 months, you need to do that stupid 'mill 100.000 cards' which the only people who have it are the ones who used bots during full refund events, also there's the arena ones, which im not sure if they got hidden after it was replaced with draft, but there were some near impossible ones there.