If this is just for one lone user  than you can't do it OOB with just SPD
for a user with Contribute access. However, if you want to do this for
all users  on the list  then edit the Advanced Settings in the List
Settings and change the Item Level permissions to be Read access  (Only
their Own) and Edit Access (Only their Own). Then all users with
Contribute permissions will only be able to Read and Edit their own
items.

My problem is all items  in the list  are created  by one person then all users  can
modify the items (where the login ID equal to a value in the item).
Look like there is no easy way to do this with SPD.

The only way OOB if that is the case would be to set individual security
rights on each item.

Change view  Creation permissions won't work either because they would
still have the Explorer view, which would show  all the items.

Can I set individual security rights programmatically? Is there an example?

You can set them programmatically and I've got a blog with an example that sets
the rights based on the content type. But you could as easily read a field of
data and set them for a user  name found there.

Well if Contribute has too many permissions...you can always create  a
permission level that doesn't have the permission  that is giving you trouble
(i.e. take away the ability to create a view)

BTW, Views really aren't a security mechanism...if you are really concerned
about security like this then you need to look into item level permissions
(which granted can be a pain to work with and sadly the out of the box
Designer activities don't address).

Do you know which permission  allows view  creation?

You could also use some sort of workflow... allow users  to enter items
in a seperate list  with only the columns they need to see and then have
a workflow automate adding/copying them to the "real" list. You could
keep the two list synchronized, and apply the appropriate permissions
to each... just a thought  if I'm reading your request properly.