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The thing is, that you can't stop or drive a train without mods. There is no other way, so you need a PC version of a game and a modification called "Engineer Railway". You will also need a Script Hook and ASI Loader for this mod to work.
There is only one place and time, where you can officially drive a train - it is a single player mission with Trevor, called Derailed. It is a very fun part, where at first place you need to get on the train riding a bike, hijack it and at the end there is a massive crash.