Edit: We got it, it was Narnia: Voyage of the Dawn Treader. So now we know that C.S Lewis and Houghton Mifflin conspired to make me what I am today. Yay.

This is a question for all the TF people. I vividly remember, in maybe the third to fifth grade, an excerpt of a story in a reading comprehension textbook at school, so that would place it as existing in 2000 to 2003. The excerpt starts with the lead character awakening in a dragon's treasure hoard room, not remembering everything that happened before he'd fallen asleep. Looking to his left and right he sees a dragon's claws, and hears a dragon breathing, and believes the dragon must have returned to its treasure pile while he was asleep. He soon realizes there's no sleeping dragon behind him--those claws and breaths are his own. He realizes that what must have happened, is that in excitement at finding the treasure, he greedily put on a cursed bracelet that made him transform. In dragon form, the bracelet is too tight to remove. He reunites with a friend, but cannot speak, and he struggles to convey who he is and what happened... and then I think the excerpt ends with them setting out to remove the bracelet.

Does anyone know of this story, and what this book is called? I've been fascinated with transformation since I was a tiny child, long before the interest would grow up with me. This story has stuck with me for a long time and probably deepened the fascination, and I'd love to find it and give it a full read, if it is even a complete novel, but I am pretty sure it must be.

I know this story must be at least 20 years old, in English, and probably aimed at kids. Not a lot to go off of for anyone who doesn't already know it. I've tried looking it up with no success. But if you know it, and can tell me the title, I'll be so grateful that I'll promise to draw you something as if it were a commission.