when i go into the voltage setting (Dram Voltage)
and change it to 1.65 i can see it in the bios .i even tried 1.7 volts to
but when i go into windows it shows up as 1.5 in 3 different monitoring programs
Most DDR3 1600 is 1.5v I believe.. I know on Ivy bridge chipsets it's actually not recommended to even push past the 1.5v as I guess it has caused a few failures over time.
I'd do some reading, find out about your mobo and make sure that that stick is compatible with it. Your bios is probably going to show you 1.5v. If you're getting it to run at stock speed with 1.5v and it will pass memtest386 over a few rounds, awesome. If not, I'd probably make sure to grab some ram that is compatible with your motherboard if it doesn't support the higher voltages.