Hanumate Namah
Listen lady, I am not a dream reader or any special person or whatsoever but by reading your post, I felt somewhat tempted to post a reply and let you know my thoughts.
You said you only did chandi paath during navaratri right?
That could well mean that Kaali maa wants your devotion i.e she wants you to do pooja of her. And you are not doing.
The way you wrote tells me that the lady you saw was Maa Kaali and the other guy could well be Lord Shiva (Just a guess though)
Lord Shiva has always been known for a great yogi and he is definitely a different lord. He has always been infused with Shakti i.e. Maa Gauri. So, he having physical act with you is not astonishing.
As someone already wrote earlier, you need to do bhakti for Devi. But Chandi is not for you, it is a tantrik sadhana. You just read Kavach and Sapta-Sati. I hope it does good for you.
And if nothing acts good for you then seek help of Lord Hanuman. Read Hanuman chalisa, Bajarang Baan and etc. Lord Hanuman is infact an avatar of Lord shiva but his nature is diffenrent. He is extremely kind and Devotee of Ram. So seek his cover and no one will ever harm you.
Do share you exp with me.!