Hard to say for sure. It could be inspired by true incidents but might have been embellished or changed for the sake of the story. Maybe some research into the background of the creator could provide more clarity.
In the 'Charlie Daniels Christmas Story', Charlie Daniels is the central figure. He might be a storyteller who uses his own life events during Christmas as the basis for the story. He could be someone who has had a long - standing relationship with Christmas traditions and is now passing on those stories, whether they are about his family's Christmas, his musical experiences during the holiday, or other things related to Christmas in his life.
I don't know who Stone Daniels is in this story as there's not enough information. He or she could be a public figure, a local resident with an interesting story, or someone newsworthy for a particular reason.