Abstract: A fiber/binding agent composition comprising: individualized chemically crosslinked high-bulk fibers comprising individualized fibers chemically intra-fiber crosslinked with a crosslinking agent that is a polycarboxylic acid or is selected from the group of urea derivatives consisting of methylated urea, methylated cyclic ureas, methylated lower alkyl substituted ureas, dihydroxy cyclic ureas, and methylated dihydroxy cyclic ureas, and mixtures thereof; and from about 0.1 to about 6 weight percent of a water-borne binding agent. The water-borne binding agent is selected from the group consisting of starch, a polyvinyl alcohol, a polyvinyl acetate latex, a polyethylene/acrylic acid copolymer, an acrylic acid polymer, an oxidized polyethylene, a polyvinyl chloride, a polyvinyl chloride/acrylic acid copolymer, an acrylonitrile/butadiene/styrene copolymer and polyacrylonitrile.