Bob,
By the way, those are called "browse dialogs." You use 'em in any program when you're trying to either open a file, or save it (or save it as, the last two depend on whether it's ever been saved and whether you're changing the name).
That being said, unless you intentionally changed something at some point, no browse dialog should open a folder with a view other than what it's set to under Windows 10. Double check that you do indeed have Group by turned off, and that the primary sort on the Downloads folder is by Name.
I have just gone through every button on the Browse Dialog used for opening a file, including those you access once you land on the Organize button and right arrowing from there, and I can find absolutely nothing that allows you to turn on grouping (or remove it) in the Browse Dialog.
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Brian - Windows 10 Pro, 64-Bit, Version 20H2, Build 19042
Any idiot can face a crisis. It's the day-to-day living that wears you out.
~ Anton Chekhov