Curse of Misfortune

A creature of your choice that you have seen must make a Charisma saving throw, the target has disadvantage on the saving throw if you know its name. Whenever a target that failed this saving throw makes a d20 Test, the target must roll a d4 and subtract the number rolled from the result of the d20 Test.
(d20 Tests include saving throws, attack rolls and ability checks)

A remove curse spell or casting this spell again will end this effect.

If you cast this spell as a Ritual its effect lasts for 24 Hours.