Ms. Marvel I believe is. I don't remember her ever being a villain as the Ms. Marvel who is part of the Dark Avengers is really Moonstone. Then Penance started as Speedball who I believe was a hero. He was part of the Thunderbolts, which is a team full of past villains. Penance blames himself for the murder of most of the New Warriors and a whole school of kids, the events that started Civil War, so that could maybe count as a villain. It was after this event that he joined the Thunderbolts.