One possible reason could be that he experiences a great personal loss. Maybe he loses someone very dear to him during a mission, like his best friend or a respected mentor. This loss makes him question the whole ninja life and all the violence and danger it entails, leading him to give it up.
One possible reason could be that he experiences a great loss, like the death of a dear friend. This might shatter his confidence and make him lose his passion for being a ninja.
In some cases, the fanfiction might be a crossover with another universe where the idea of a ninja doesn't fit. So, to make Naruto fit into this new universe, the writer has to take away his ninja identity. This allows for new and interesting interactions between Naruto and characters from the other universe.
He may dislike it because he feels that it undermines the real struggles and achievements of the ninja. In fanfiction, things might be made too easy or unrealistic. He has fought tooth and nail for everything in his ninja life, and seeing it made into something that doesn't represent that in fanfiction would make him hate it.
It could be due to a physical or mental injury. If Naruto got seriously injured during the Chunin Exam, and he didn't think he could recover in time to compete effectively, he might give up. Mentally, if he was somehow affected by a genjutsu that made him lose his confidence or will to fight, that could also lead to his decision to give up.
One possible reason could be to protect his friends. He might think that by sacrificing his heart, some great danger or enemy would be vanquished, thus ensuring the safety of those he cares about. For example, if there was a powerful curse that could only be broken by his heart's sacrifice.
One possible reason could be that he feels betrayed by Konoha. Maybe he has uncovered some dark secrets about the village that make him lose faith in it.
One possible reason could be for a mission. Maybe the mission requires infiltrating a female - only place or getting close to a female - only group, so Naruto decides to turn himself female to better complete the task.
It could be that Naruto has other creative or intellectual interests. For example, he might be more interested in art or learning about the history of the ninja villages rather than participating in ninja battles. He could find the rigid ninja training and the constant competition unappealing. Also, perhaps he has a different sense of purpose, like wanting to focus on building peace in a non - combat way, which doesn't require being a ninja in the traditional sense.
In this fanfiction, Naruto might leave because of the political situation in Konoha. There could be factions that he doesn't agree with or that are causing unrest. Naruto, being someone who values peace and unity, might find it difficult to deal with the internal politics and decides to leave in order to find a more harmonious place or to figure out a solution away from the chaos.
One possible reason could be the fear of losing his loved ones. In the original Naruto story, many ninjas sacrifice a lot, including their lives. Naruto might have seen this and decided he doesn't want to put himself in such a position.