papilloma is a benign growth of the epithelial tissue, usually the skin, characterized by an outward growth from the surface.  They are often colloquially called "skin tags".

Papillomas have many causes, including the human papilloma virus, which causes warts.  

Most papillomas, although persistent, are not a health risk and the usual course of action is to leave them alone.  However, they can be removed with surgery for cosmetic purposes.  Cryosurgery using extreme cold is a common technique.

Papilloma at Wikipedia

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