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VII is without a doubt overrated. I also consider X to also be overrated as well.Phew. I can't really name many here. Most games I don't like much (especially FF II and VIII) aren't actually popular anyways.
In comparison to some other titles, I think I find FF VII overrated. It's not a bad game or anything, I just don't think it surpasses games like FF VI or IX much, yet sooo many more people know and love FF VII. :s
Oftentimes, I find the term "overrated" an arrogant one, as you're implying somebody else should tone down their appreciation of something because you don't care for it. Much of the time, I think the term betrays intellectual cowardice, as some people just want to say that they dislike a game but use "overrated" to dress it up and artificially make their personal opinion look like part of an objective, factual statement.
I've made the same argument a few times but it really depends on the context. For me, there's definitely an issue when people really do confuse their opinions with facts and show no signs of self-awareness either. Over/underrated are terms that are unfortunately mis-used by people as an attempt to discredit and insult people with a differing opinion.An excerpt from what recon linked share my thoughts well enough.