I pull these clusters all the time at the yard, and it's as easy as unscrew it, then pull out until you can squeeze your hand around the speedo side, press the plastic clip towards the center of the cable housing, and it will pop right off 9/10 times. There are two places you may feel like you should press, the correct one is the rectangular flange that points TOWARDS the speedo head.
Is it the two piece one that has the speed sensour at the connection on the driver's side fender well? If so, the lower cable will pull out there, as well as the upper cable. As far as one piece cables go, I don't know, I've never had to remove mine now that I'm switched over.
When lubricating, ONLY USE THIS:
http://www.amazon.com/Panef-K-81-oz-Penetrating-Graphite/dp/B00GX1DZZC
This is the only thing that is supposed to be used to lubricate speedo cables. I use it in all of the speedo heads that I recondition, as well as my truck. (An equivalent graphite oil from another brand should be fine as well). If you use grease, that white lithium Liquid Wrench crap, 3 in 1 oil, zoom spout, or-god forbid- WD40, you'll be right back where you are now, lubing it in a few weeks/months. Either that, or it simply won't lubricate properly from the beginning, in the case of the grease. Graphite oil is how they come, and lubricants don't like to mix.
/rant.