Curse of Ill Fortune

(Spell Compendium, page 56, DnD 3.5)

Transmutation

Level: ; Blackguard 2; Cleric 2
Components: V, S
Casting Time: 1 standard action
Range: Medium (100 ft. + 10 ft./level)
Target: One living creature
Duration: 1 minute/level
Saving Throw: Will negates
Spell Resistance: Yes

Letting loose a stream of foul incantations, you curse the subject.

You place a temporary curse upon the subject, giving it a -3 penalty on attack rolls, ability checks, and skill checks. Curse of ill fortune is negated by any spell that removes a bestow curse spell.