Top bit of cloth sim is deforming

Using blender 3.3

Setup a cloth sim on a model I downloaded, and I keep getting this jagged distortion a few frames into the simulation. I have a collision modifier on both the pants and the skin.

Cloth Sim Settings

Here is a link to the blend file https://drive.google.com/file/d/1wV0-PThcwf09yFcuy0dgjmh1wdmWwL36/view?usp=sharing

I have no idea how to fix this, please help.