The Still Believe Lads punished the visitors minutes after Nuru Sulley collected a second yellow card to take an early shower in opening nine minutes of the second half.
After a first quarter, Ali Huzaif found striker Agyenim Mensah with a beautiful pass but the latter's long-range effort was saved by Ben Mensah, the Hearts goalkeeper.
Before the half-time whistle, a beautiful team effort from the right saw the ball drop on Emmanuel Ocran's left foot but his strike deflected for a corner. The resulting corner was cleared out of danger.
Six minutes into the second half, Hearts were reduced to ten men when defender Nuru Sulley got sent off for a second yellow card offence.
From the resultant free-kick of that infringement, Dreams FC took the lead then Huzaif bundled home a rebound after Mensah had spilled his powerful header.
In injury time, substitute Simba picked up a loose ball from the close to the corner flag on the right, raced with it and then delivered a low one which beat goalkeeper Mensah at the near post.
Hearts are 4th on the log and Dreams are 5th.
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