[blutorange]

There is quite a difference here:

Enpitsu de kaite ————— to write with a pen
Enpitsu wo kaite ————— to write a pen (???)

No-to wo karite ————— to borrow a notebookt
No-to de karite ————— to borrow with a notebook (???)

Have you studied / do you know the basic meaning of the particles を and で?