If $A$ is an arbitrary set, is it possible to construct an element $a\not\in A$ without the use of the Axiom of Regularity?
It is clear that such $a$ exists (else $A$ would be the set of all sets), but this is not an explicit construction.
Under assumption of the Axiom of Regularity, one could choose $a=A$.
To give more context, I'm starting with a family $\{X_i\mid i\in I\}$ of non-empty sets, and would like to find a sequence $\langle y_i \rangle_{i\in I}$ such that $y_i\not\in X_i$ for each $i\in I$, without using the Axiom of Choice and the Axiom of Regularity.