The present invention is directed to a wet wipe product. The wet wipe product comprises a fibrous substrate and a triggerable binder formulation. The triggerable binder formulation is capable of binding the fibers in the fibrous substrate. The triggerable binder formulation may include acrylamide polymers, vinylamide/amine polymers, and mixtures. The triggerable binder formulation is insoluble in a wetting composition comprising an insolubilizing agent but is dispersible in disposal water.