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Perhaps its not the software but a hardware problem.
Seeing as it has crashed numerous times on the loading screen when accessing the HD perhaps there is a problem with your HD, bad sectors or just general wear and tear.
Also check with other hardware too.
Also bear in mind there is countless hardware combinations for PC's different memory, CPU's, Motherboards etc its impossible for a software company to test it out on every one.
Last also, have you checked with the developer/publisher on a possible reason?
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