If the seed are still firm, even if coated with mold, go ahead and plant them. Often (maybe half the time) mold is external. If seed is soft, mushy, or black and foul smelling, just discard the mess.
No real ideal fungicide. Best is to start clean. Soak seed for 24hours prior to putting in bags for stratification. Discard water used for soak, pour on just enough to wet seed 3% hydrogen peroxide, the same concentration and brand you use for an oral rinse. Pick up hydrogen peroxide at your local pharmacy, or the first aid section of big box grocery store. It is cheap.
technically 3% hydrogen peroxide is not a fungicide, it is a mild surface sterilant. It breaks down into water and free oxygen, that's it.
Discard peroxide after letting seed soak 20 minutes or so. Time is not critical, get at least 5 minutes, anything over a half hour is uneccessary, 3% is dilute enough it won't hurt plant embryos. Don't worry if some peroxide is left on seed when you transfer it to bag for stratification, it breaks down quickly, probably was mostly broken down by the 15 minute mark.
Bag for stratification should be new & un-used, left over food will cause mold. Dust from laying around will have mold spores. Where you set this up should be a clean work surface.
Media - I use clean long fiber sphagnum moss. NOT DIRT, NOT PEAT MOSS. Some people use paper towel. Don't use Kleanex, facial tissue or fancy toilet paper, these have additives like aloe and lotion which will mold. You media for holding moisture must be clean. If you want to use something I did not list, sterilize it first before using it.
When you put the seeds and media in the bag you want the seed moist, the media should be lightly moist, but not soggy wet. You should not be able to pour water out of the bag after adding the seeed.
Put in a cold spot in refrigerator. A door compartment will not stay constantly cold, when refrigerator is opened it will be warm until the refrigerator ''catches up'' again with its cooling. It should not freeze either. Usually in the back of the refrigerator it will stay more evenly cool.
Hope this helps. I stratify small batches of seed every year, and occasionally I do have mold too. but probably less than 5% of the time.
If you start clean, you should be successful. .