If all you have is four 2 wire cables, there is no problem. You will be derating to 70% of the 90 degree column.
The trouble starts when you hit the fifth 2 wire cable in the bundle which requires a 50% derating.
As for the 3 wire cables, if this is a single phase system, the neutral is not considered a current carrying conductor and if this is a 3 way switch cable, only 2 wires are current carrying.
Few things are harder to put up with than the annoyance of a good example.