it's observer bias, nothing more. test it out. pick a phrase, my spouse and i chose "snowmobile". For the next week, we had random conversations about how cool snowmobiles are, how badly we wanted one, what price we were willing to pay, financing, etc. we peppered our conversations with click bait, honestly. neither of us particularly ever had any interest whatsoever in snowmobiles, so we figured this would be a pretty ok test for anecdata.
at the end of the week, we both saw no increase or even a mention in our targeted adverts regarding snowmobiles. likely what is happening is that you searched something somewhere on your phone, then brought it up in conversation, then saw an increase in ads related to that subject.