If you're filling the reservoir to the "Full" mark when the engine is cool, then you're over-filling it. It should only go to the full mark when it's warmed up to normal operating temperature. You may also, by chance, have a faulty or out-of-spec reservoir cap, causing an over-pressure situation.
But it's likely you just have a water pump that is starting to show its age. Sometimes they last for many years and sometimes they fail within a year. Over-tightening the belt can cause premature failure.
Also, it's not uncommon that you can run the car all day long without losing a drop of coolant, but then when you shut it off and it cools down, it will leak and leave a nice little puddle under the car. If it's leaking in the garage/driveway, examine the pump with a flashlight and mirror and see if you can find wetness before you start it up and it dries out. If it looks like the coolant is dripping from the rear lip of the pulley then it's probably leaking from the weep hole, signaling it's time to replace the pump.
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Current rides: 2005 Volvo S80 2.5T, 2003 Volvo V70 2.4NA, 1973 Volvo 1800ES (getting ever closer to road worthiness)
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