One who is having this problem should be worried about his/her health because there are many reasons of nail skin peeling and dryness, this especially signs bacteria.
Reasons of fingernail skin peeling and dryness
1. It signs that you are having allergy.
2. It signs the lack of calcium and mineral in your body.
3. It signs infection, because of being dryness continuously.
4. Nail Biting, some people bite the nails habitually.