unsecured credit with checking account

In short, since FCRA and FDCPA are federal law, can complaints be heard in small claims courts or is a motion to dismiss or motion to change venue to federal court based on jurisdiction always valid?
When I put in my home zip code, located in the oldest suburb of Los Angeles, where winding streets lead to charming early 20th century bungalows nestled in the hills, it comes up with "Neighborhood Type -Inner City"
MBNA has refused to remove three 30-day late pays in the past 29 months and one 60-day.
(Unsecured credit with checking account) I am a newbie, so please forgive if this has been discussed previously.