Some file permission issues are specific to Windows operating systems (Windows 95, Windows NT, and presumably future operating systems in this family. Some of the following might apply to OS/2 but I’m not sure).
If you are using local CVS and the repository is on a networked file system which is served by the Samba SMB server, some people have reported problems with permissions. Enabling WRITE=YES in the samba configuration is said to fix/workaround it. Disclaimer: I haven’t investigated enough to know the implications of enabling that option, nor do I know whether there is something which CVS could be doing differently in order to avoid the problem. If you find something out, please let us know as described in BUGS.