One of the reasons that commercial sites aren't as trustworthy as non-commercial sites is that they are frequently biased in that they want to promote their product or service. You are being led to believe that something exists when it (likely) does not so that they can get money from you.
Possibly, but this could only be cleared only in discussion.
I don't care about how much money they with withhold.
Like you mentioned I could get it back when I file return.
I just don't want to submit any papers with false statements, cause it may have consequences I may not even aware of.
I wan't be even able to obtain the right papers from the payer if I submit wrong tax form.
And my return for next year will be inconsistent.