I had a dream and in it I had a turtle as a pet. I felt a lot of affection for this animal in the dream. It had fur. That's it.
This turtle is symbolic for a person who can be snappy, the fur will give you a false sense of the personality because perhaps you see this person as cuddly and fluffy but they can be snappy and emotionally driven.
Composite animals represent personalities that are made up from opposing or different facets. One minute they are one way and the next they change into somebody else. (The Jekyll and Hyde phenomenon)
Turtles are water creatures, they represent a person who is quite emotional about things.
Having a pet is another way of saying that you feel as though you always need to be looking after someone, (you are a carer and you just cant help it) or perhaps you always sort their problems out for them. Believe me this doesn't work, people have to sort their own problems out. 'You can lead a turtle to water but you cant make them drink'.