I have unlimited text but my iPhone says it can't text without data?

You cannot send iMessages with data turned off since iMessage only goes over a data channel. You also cannot send MMS (multimedia messaging service such as photos, videos, audio content) with data turned off for the same reason. However, SMS (short message service such as text messaging) does not use data so it should work. If you are sending to an iMessage user, you need to enable "Send as SMS" in your iPhone's "Settings" under "Messages".