Disabling screen lock Suppose my android phone is locked by any locking method like password , pin, or pattern. 
Suppose my mobile is not a rooted phone , neither have custom recovery installed.

Is there is any way to unlock it with the stock recovery or anything like that ?

Without WIPE USER DATA . I don't want the data to be removed.

Also suppose no Google accounts help is available.
there's some ways to do it, but 90% of it will wipe User data. If you did OEM on, you can save your data on backup then wipe the phone by fastboot mode.