What kind of hairy black spider has a white stripe and spots on its back located In New York?

The spider you are describing could be the black and yellow garden spider, also known as the Argiope aurantia. While it is primarily yellow and black, variations can sometimes appear darker. These Spiders are often found in gardens and meadows and are recognizable by their distinctive markings, including a white stripe and spots. They are generally harmless to humans and are beneficial for controlling garden pests.