Time: 14:47 GMT
Frequency: All the time
World name: Faerie
Character name: Momoe Izayoi

Steps:

Naming a home, apartment or Free Company private room with the words 'Tote' or 'Totem' will show the 'inappropriate word' error message.

This doesn't appear to be the same issue with the word 'Scunthorpe', as Tote AND Totem can be bypassed this way by adding a character to the front of the word, but Scunthorpe cannot.