CENTRAL ISLIP, N.Y. — Federal officials say a used-car dealer embezzled millions of dollars to live out a fantasy lifestyle.

Thirty-seven-year-old Chris Orsaris is accused in a massive fraud and embezzlement scheme at Major Automotive Cos., which has 14 New York City dealerships. He was denied bail Thursday, and previously pleaded not guilty.

Officials say Orsaris funneled a fortune in inflated sales commissions to cover luxuries. They included a $5.5 million Trump World Tower apartment and a $2.9 million Hamptons home.

The feds say he also hired thugs and drug dealers as his bodyguards, chauffeurs and personal assistants.

At the time of his arrest, Orsaris managed a Queens dealership.

His lawyer did not return a call for comment. Major Automotive’s lawyer said the company is fully cooperating with prosecutors.