Well, it's only two letters ("ny") away from the model answer, but those two letters make it a poor translation.
Do you have to include Eu? I got it wrong when just congugating straight to Tenho
No. The conjugations for "Eu" are unique in the present tense so it's not necessary to include "Eu" except as a form of emphasis. Even so, retaining the pronoun seems to be a trend:
How do we pronounce the "ta" in pergunta? Is it "ta" or "te"? I'm hearing 2 different things when its the man pronouncing compare to woman.
I have heard multiple people say "duvida" instead of "pergunta." Is it more common in certain areas ?