What happened
The FAA’s narrative, in sentence case. The FAA writes it in capitals and removes private details.
Narrative: aircraft landed with landing gear retracted. No injuries to personnel. Minor damage. Landing gear operations check completed satisfactorily. The aircraft landed with landing gear retracted due to the passenger disturbing the pilot with questions during the critical landing phase of flight. The pilot missed the gear section of his landing check list.
As the FAA filed it
NARRATIVE: AIRCRAFT LANDED WITH LANDING GEAR RETRACTED. NO INJURIES TO PERSONNEL. MINOR DAMAGE. LANDING GEAR OPERATIONS CHECK COMPLETED SATISFACTORILY. THE AIRCRAFT LANDED WITH LANDING GEAR RETRACTED DUE TO THE PASSENGER DISTURBING THE PILOT WITH QUESTIONS DURING THE CRITICAL LANDING PHASE OF FLIGHT. THE PILOT MISSED THE GEAR SECTION OF HIS LANDING CHECK LIST.