C++ :: Filling Vectors With Pointers To Account Objects

So I'm trying to fill a vector with pointers to account objects.

std::vector<account*> fill_vector() {
std::vector<account*> temp;
std::ifstream s;
std::string str;
s.open("H://account2.dat");

[Code] ....

The accounts have four different types and I am supposed to skip over ones that have an invalid account type and throw an exception:

account* factory(std::string account_code, std::string first_name,
std::string last_name, char type, double balance) {
try {
if(type == 'A') {
simple_account *a = new simple_account(account_code, first_name, last_name, balance);

[Code] .....

My problem is they program will not skip over my rejected accounts.. still adds them to the vector but I cant figure out why!