Ill-Fated Word
Ill-Fated Word is a 1st-level divination available to Bard, Sorceror, Wizard.

Summon this spell being cast
Describe it your way — Ill-Fated Word is already filled in.
You call out a distracting epithet to a creature, worsening its chance to succeed at whatever it's doing. Roll a d4 and subtract the number rolled from an attack roll, ability check, or saving throw that the target has just made; the target uses the lowered result to determine the outcome of its roll.
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Further reading
Jetpack7 Game Master SeriesThe Game Master's Book of Non-Player Characters
Jeff Ashworth · 2021
The Game Master's Book of Villains, Minions and Their Tactics
Aaron Hübrich · 2023
The Game Master's Book of Astonishing Random Tables
Ben Egloff · 2023